23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I purchased 2 business class ROUND TRIP airline tickets online with a company called XXXX. The charge was {$2700.00} EACH total of {$5400.00} Once the transaction was complete XXXX did a bait and switch and turned the tickets into 2 ONEWAY tickets. I called American Express within an hour on XX/XX/XXXX XXXX i explained the situation they said the charges were pending so they had to wait for them to post and then I could file a dispute.i asked if i should close my account they said no that they block the merchant however they did not do this and i was charged over {$140000.00} from the merchant! I also called XXXX to cancel the reservation within 24 hours. ( which is the allowed time frame for cancellations ) I have been getting the run around since XX/XX/XXXX. The first time American Express filed the claim they filed the dispute incorrectly. Then the second time they contacted the merchant the merchant send documents that were not legible! The dispute was closed in the merchants favor even though the documents were illegible! How can that happen? It is as if they dont defend their card members at all. I finally closed my account on XX/XX/XXXX and paid off the balance ( except for the disputed amount of {$5400.00} ) I have spoken to over 70 different representatives including someone in the executive office named XXXX. I cant get a straight answer to from anyone. I finally did get a credit back for {$2700.00} but the other $ XXXXremained my responsibility. I called on XX/XX/XXXX and spoke to a supervisor XXXX and a representative named XXXX. They both told me that the dispute was closed NOT in my favor but I was ACCIDENTALLY given a credit back for {$2700.00} I was shocked I asked for a letter confirming this. They refused! When I called back at a later date the story had changed once again. Now they said the dispute was closed in my favor and I have been given credit for both amounts and the remaining balance was a revolving balance from XX/XX/XXXX. I also called XXXX and they said {$2700.00} has NOT been refunded! They suggested calling American Express and have them request a refund. When I called to inquire American Express would not give me a straight answer! Im at a loss for words. I also spoke to XXXX on XX/XX/XXXX She gave me a compliant number and assured me that someone would review all the phone calls since XX/XX/XXXX and that if I was mis advised I would NOT be responsible for the balance and I would get a refund She was also supposed to call me a week later but never did. .My records show that I have overpaid them already. I have continued to pay the minimum payment on the disputed amount because i didnt want this to affect my credit score. Please help me hold American Express accountable. I was an excellent card member in good standing for over 13 years before this happened. I have also received numerous letters that are contradicting as well. Thank you very much for your time.. XXXX XXXX
Product: Credit reporting

EXPERIAN fails to remove the XXXX XXXX XXXX account information. EXPERIAN reports incorrectly the account is past due .EXPERIAN reports incorrectly the account status is Unknown. EXPERIAN reports incorrectly that the account is {$18000.00} past due. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Debt collection

XXXX XXXX with MCM ( XXXX ) called my place of employment in attempt to collect debt. I asked him if this was a personal or business call and he replied with " why are you so afraid. '' I said to not call me at my place of work and to contact me on my personal line. He then hung up and called two of my coworkers and told one of them that he was trying to reach me in attempt to collect debt. He should not be telling my coworkers about my financial situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX DOB : XX/XX/year> SS # XXXX Subject : Dispute of Incorrect Information ( FCRA Section 605C ) To Whom It May Concern, I am writing to formally dispute the below listed accounts on my credit report, as I am a victim of human trafficking. This letter serves as my self-attestation regarding the accounts caused by my victimization listed below, in accordance with the provisions under Section 605C of the Fair Credit Reporting Act ( FCRA ), which pertains to victims of trafficking, and request deletion of the following accounts : XXXX XXXX  bankruptcy XXXX Reference Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Original Balance {$430.00} XXXX XXXX XXXX Account XXXX XXXX Original Balance {$36000.00} XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX XXXX {$950.00} Account Number XXXX XXXX XXXX XXXX Account Number : XXXX Credit Limit : {$100.00} XXXX  XXXX XXXX Balance XXXX {$950.00} Account Number XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} As a victim of human trafficking, I was coerced into financial activities that resulted in the negative marks on my credit report. These activities were beyond my control and were a direct result of my exploitation. Pursuant to Section 605C of the FCRA, I am entitled to have these inaccuracies corrected or removed from my credit report.
Product: Vehicle loan or lease

I still have not received the title to my XXXX XXXX XXXX that was financed by Ally Financial. I was informed by Ally on XX/XX/XXXX that I would receive the title in 4 weeks. Review CFPB Complaint Number : XXXX, and Ally File Number:XXXX.
Product: Credit reporting or other personal consumer reports

I am on the XXXX XXXX XXXXXXXX XXXX list for a long time. I last verified my status sometime in summer 2023. Mr. Cooper upon [ recently = XXXX ] acquiring servicing rights to my home loan has began sending me unsolicited refinance or 2nd mortgage marketing materials. 

I do not recall having opted in to receive marketing material upon registering my online account, and I have reviewed my settings on MrCooper.com and am unable to find any settings related to marketing materials.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXXXXXX The information on my report has not been certified to meet any specific reporting standards. The data included is not guaranteed to be accurate, up-to-date, or complete. In order to ensure compliance with any consumer legislation and reporting obligations, supporting documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting an account on my credit reports that is too old to be reporting. The FCRA states that negative items are to be removed from credit reports at 7 years from the date of first delinquency. They bought this debt for pennies on the dollar and do not have accurate information.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Fraudulent Addresses from My Credit Report Dear Credit Bureau Name I am writing to formally request, yet again, the removal of fraudulent addresses from my credit report. Despite several previous communications regarding this matter, these unauthorized addresses continue to appear on my credit profile, causing significant distress and potential harm to my financial standing. 

My personal information was compromised in a data breach, and I have since been a victim of identity theft. This has resulted in the addition of unauthorized addresses to my report, which I did not authorize and which do not reflect my true residency history. This issue has led to considerable disruption in my life and presents ongoing risks to my financial security and privacy. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain the accuracy of consumer reports and take immediate action to correct inaccuracies. Section 611 of the FCRA, 15 U.S.C. 1681i, imposes an obligation on credit bureaus to investigate and remove information found to be inaccurate or unverifiable. Additionally, case law supports my request for these corrections. In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court affirmed that credit bureaus must go beyond simply re-verifying disputed information, instead requiring a reasonable investigation, particularly when the consumer has provided evidence of inaccuracies. This ruling clearly places a duty on credit bureaus to act with due diligence in investigating disputed items. 

Furthermore, in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), it was determined that failing to reasonably investigate a consumer 's dispute is a violation of the FCRA, and consumers are entitled to legal recourse if credit bureaus neglect this responsibility. Your ongoing failure to address and remove these fraudulent addresses constitutes not only a violation of my rights but a disregard for your statutory obligations under the FCRA. 

If you do not comply with this request to delete the unauthorized addresses from my credit report, I am prepared to pursue legal action. Consumers have the right to hold credit bureaus accountable, as reaffirmed in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court upheld significant penalties against credit bureaus for failing to maintain accurate records. 

I urge you to take immediate corrective action. Please provide confirmation of the removal of these fraudulent addresses from my report within 30 days of receipt of this letter. If this issue is not resolved, I will have no alternative but to seek legal remedies to ensure my rights under the FCRA are protected. 
The addresses to be deleted from my credit report are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information reporting on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer. ( See Attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in letters several times to XXXX, XXXX  and XXXX  in regards to my account with Seterus Account # XXXX. Starting in XX/XX/2020 up until XX/XX/2020. I have gotten some responses which I will attach. Yet inconsistencies remain on my report for Seterus. For your convenience I am attaching the latest response from each bureau. I will also list the issues I see.

1. Date of first delinquency is missing 2. Purge date is not listed 3. Full payment history is not listed, specifically scheduled and actual payment amount.

4. Closed date is not listed on XXXX  or XXXX According to your own industry standard which is the Metro2 the above information must be reported. 
I do not see an actual proper re-investigation completed after addressing the issues set forth.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$6000.00} credit card XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Auto Loan XXXX XXXX  XX/XX/XXXX {$16000.00} personal loan XXXX XXXXXXXX XX/XX/XXXX {$2100.00} Credit Cards XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5300.00} Credit Card XXXX XXXXXXXX XXXX XX/XX/XXXX {$6000.00} credit card XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Auto Loan XXXX XXXXXXXX XX/XX/XXXX {$2100.00} Credit Cards XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5300.00} Credit Card XXXX XXXX XXXX XX/XX/XXXX {$6000.00} credit card XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Auto Loan XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$5300.00} Credit Card ACCOUNT NAME : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Good Morning Rightway Auto, I have spoken with my representatives after making a claim against rightway due to denial of service. It seems that you all have a private arbitration offering to dispute any application discrepancies. Since I did show proof of my income but was denied without proper reason. I will be pursuing my claim of consumer discrimination against FCRA and consumer laws. 

Please let me know how Rightway Auto would like to proceed. 

I have BCCd local public and private representatives this email for protection. 

Thank you,
Product: Debt collection

FRAUDULENT CHARGES. I DO NOT OWE XXXX AND THEY ARE REPORTING NEGATIVELY ON MY CREDIT FOR {$370.00} FOR A ACCOUNT. I PAID OFF MY PHONE DEVICES FROM THEM AND SWITCHED COMPANIES SO I SHOULD NOT EVEN OWE THEM. I CALLED THE COMPANY I CALLED THE COMPANY THEY SOLD THE DEBT TOO AS WELL. THEY BOTH SAID I COULD SETTLE THE DEBT FOR {$200.00} AND THEY WOULD UPDATE THE ACCOUNT ON MY CREDIT IS AS SETTLED AND PAID IN FULL. BUT NO I DO NOT OWE THEM THIS IS STOPPING MY HOME LOAN FROM BEING APPROVED SO THEM PUTTING SETTLED DOES NOT HELP MY REPORT IT WILL STILL SHOWS AS ONCE NEGATIVE ACCOUNT. NO GOOD WHEN IT IS NOT MY ACCOUNT ONE REPRESENTATIVE SAID I COULD PAY AND THEY WILL REMOVE IT SO I AM TIRED AT THIS POINT NOW THEY DONT AGREE TO REMOVE IT
Product: Credit reporting

XXXX has reported a mortgage/collection account on my credit report which is the only thing stopping me from getting a VA home loan. On XX/XX/2017, I sent XXXX a letter asking them to provide a Chain of Title proving that they even own a debt that I am liable for and have the right to report it on my credit report. They responded to my request on XX/XX/2017 and were not able to furnish a Chain of Title and therefore were not able to prove they own any debt of which I am obligated to pay. Upon the receipt of their response, I immediately sent their letter in its entirely along with my own letter to the credit agencies demanding that they remove this mortgage/collection account from my credit report. I actually sent XXXX letters, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. In that letter I stated that due to the fact that XXXX could not establish a document that stated that they owned anything of which I was liable, that this needed to be immediately deleted from my credit report and if not it was in violation under the Fair Credit Reporting Act. I received my results from the credit agencies within the 30 days, and though they deleted the activity contained in the XXXX account, the account still remains on my report as a collection and has not been deleted, which is still the only thing preventing me from obtaining my loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I viewed my consumer report and sadly saw a collection account and several unauthorized inquires. My rights are being violated pursuant to 15 USC 1681b ( c ). These unauthorized accounts are causing my consumer file to be inaccurate. i know the consumer reporting agencies need to report a consumer credit file accurately, by law. Please investigate these following accounts and delete them from my file immediately, until then I demand a cease and desist of communication from these companies and me including reporting any negative data on my consumer report : XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachment for supportive documents to my claim.
Product: Mortgage

this mechanism has been designed to inform you that in 2009 my Mortgage Company was with XXXX in which I had XXXX predatory lenders on my mortgage account with a interest rate of 9.5 percent yes it is very high. XXXX XXXX was brought out by XXXX XXXX XXXX who has continue to still have these predotory lenders on my account with the same high interest rate of 9.5 percent. Under the Obama Administration in 2009 he said that there should not be any predatory lenders on nobody loans. There are also XXXX on my loan in which they were never registered in my county board of records. SPS is now the services for XXXX. I have submitted at least XXXX documents to them for a modification. I need you to look into this matter at your earliest convenience. Thank you
Product: Credit reporting or other personal consumer reports

Despite my prior seven attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my eighth attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. 

I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to correct the accounts : XXXX XXXX Balance : {$610.00} /Prev. late open XXXX XXXX XXXX XXXX : {$87.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$8800.00} XXXX XXXX  Balance : {$140.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$140.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Identity Dispute letter to Experian and it was received on XX/XX/2022 for my address and personal information to corrected and removed. It is still there. I sent the letter certified and the tracking number and letter is included in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have inquiries that wasn't authorized i have notified credit bureaus, but they won't remove. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX my identity was compromised. i filed a police report. 



Equifax XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Hello. I have an account with the buy now pay later service Sezzle.com. I have used it several times with shopping at the store XXXX, and had no problems. 

One day I decided to try it out with XXXX, and was informed that I needed to subscribe to Sezzle Premium in order to shop at XXXX. Sezzle Premium is an optional add on that costs {$10.00} per month. After signing up to Sezzle Premium ( and paying {$10.00} ), I tried to purchase something on XXXX and the transaction was rejected by Sezzle. I then found out that my spending power at XXXX is {$0.00}. For frame of reference, my spending power at XXXX is {$250.00}. 

I feel this is some kind of bait and switch and feel deceived. I would like a refund of my {$10.00}, based on the principle of the thing. I have already requested a refund from Sezzle, and they didn't even directly reply to the request. 

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

I have lodged disputes with Capital One, XXXX, XXXX and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Product: Debt collection

I have previously disputed the following account with XXXX : Creditor Name ZIONS DEBT HOLDINGS Account No. 
XXXX Original Creditor XXXX XXXX  Responsibility Individual Condition Derogatory Original Balance {$440.00} Balance {$440.00} Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Dispute resolved ; customer disagrees Zions Debt Holdings is also in violation of 15 U.S.C. 1681-1681x as they are knowingly reporting inaccurate information onto my credit report with XXXX. This wrongful collection has caused me direct financial hardship and harm. If this isn't removed immediately from my credit report, I will seek {$1000.00} for each violation
Product: Debt collection

They have been sending men out to our house at night to serve us papers. They act like a server and the ppwk is drawn up like federal superior court summons with my name verses the county and this company. When I call the courts there is no such thing in the system. They repeatedly come and knock on our door night after night. We have told them to not come back. We have told them we will call the police. They are using scare tactic and I consider it harassment not to mention its probably illegal. This has happened 5 times over the past 6-8 months.