23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ambiguous Status Descriptions : The status description " Seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department '' is vague and does not provide clarity about whether the account has been resolved, transferred, or sold. 
Experian also lists the status as " XXXX, '' which is unclear and not in compliance with FCRA 's standards for clear and accurate reporting. 
Unclear Account Resolution : If the account has been transferred, sold, or otherwise resolved, this information must be accurately reflected across all credit bureaus. 
Credit Utilization Impact : The account lists credit utilization as " -- % '' without clear calculation. If the balance affects my credit utilization, the calculation must be accurately provided and uniform across all bureaus.

Requested Action I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including balances, status, and remarks, across all credit bureaus. 
Provide a clear and accurate account status that reflects its resolution, whether it has been transferred, sold, or remains active. 
Remove ambiguous designations like " XXXX '' and replace them with compliant and understandable descriptions. 
Clarify the credit utilization impact and ensure that it is reported accurately if this account contributes to my utilization ratio.
Product: Credit card or prepaid card

The reason provided by the bank in regards to Consumer Financial Protection Bureau case # XXXX is a violation of equal credit opportunity act of 1974. 

U.S. Bank is violating equal credit opportunity act.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX and asked to verify account # XXXX in XXXX they said another company had it so I send them a investigation request letter in XXXX and they said they didnt have it anymore so I opened a dispute with XXXX XXXX XX/XX/XXXX and it came back verified but with a repossession added to my credit card report.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Checking or savings account

I sent a check to the United States Treasury to pay my taxes through Chase Bank- and that check was stolen, forged, and cashed. I only realized it when the United States Treasury sent me a bill saying that I never payed taxes in 2022 so I went to check what happened as I knew that I sent the check and it was cashed. 

Upon looking at the check I noticed it was forged and a new name was on it and it was cashed back in 2022. I immediately went to Chase Bank and filled out the proper forms with the Chase Bank manager and he told me this happens a lot and I would have no problem getting my money back. 

The forms were sent and I a couple of days ago my claim got denied because i missed the 30 day window to file a claim. I have the check I wrote and also have the check I cashed and clearly it was forged and Chase didn't deny that as the evidence is all there. They just said the only exceptions to this rule is if I was in a comma, in jail or a place that I had no access to my account- otherwise there was nothing they could do. 

I went back to the bank and asked them to file an exception as they were surprised with the results, but then said it was the policy and my chances were low. 

The date the check was cashed was XX/XX/2022 for XXXX XXXX dollars. They said that the check was cashed at a XXXX  XXXX XXXX even tho it had my social security number, 1040-EZ 2022 form written on the check. 
The paperwork and complaint I sent to Chase was on XX/XX/XXXX through a chase branch sumbited by XXXX XXXX the a Chase employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second formal complaint against Experian in the same day for the same reason. This is not a duplicate complaint. This is complaint no. : XXXX for the same problem I experienced consecutively. I called Experian today, on Monday, XX/XX/2022, and experienced a very long hold time. I then was transferred to a fraud agent to file a dispute. However, I then heard static noise on the telephone and the fraud agent in XXXX XXXX stopped talking. Experian disconnected the telephone on me for whatever reason. I then called back and the same exact event happened again, therefore, this is my complaint for the second time it happened. Please be advised : each time I get a dropped call from Experian, I will promptly file a complaint with the XXXX  and XXXX. This is an unfair business practice. Finally, no consumer should ever have to be on hold over XXXX minutes to file a dispute regarding inaccurate information on a consumer report. This is egregious of Experian.
Product: Checking or savings account

On XX/XX/XXXX I called to TD bank regarding my business account ( XXXX XXXX XXXX  ) and ask to put stop payment on transaction I said name of the debtor and exact amount ( {$4700.00} ). Representative from a bank told me ok and its a stop payment fee I agreed. Same day I saw stop payment on my business account which is ok On XX/XX/XXXX I saw in my business account that transaction which i put a stop payment is pending and bank paying this I immediately contact assistant branch manager came to the bank and she start working on my account to fix that. She spoke with supervisor small business support and supervisor form ACH department everybody told her that transaction will go back and they will stop this transaction. Next day XX/XX/2016 transaction still there. This transaction was very big amount of money and my account balance was not enough to cover that transaction I was mentioned that to bank representative before I even put a stop payment. But they honored that transaction even i have an insufficient funds to cover that .Monday we contact TD bank again and they told us ( me and a assistant branch manager ) the can not do nothing.I just open a dispute but they told me its probably useless???
Product: Debt collection

As of XX/XX/2023 I've notice an in fraudulent account on my consumers report .I have already made a complaint and responded to company GOLDMAM SACHS which they responded saying there was no error after they look into the account As of XX/XX/2023 Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on My credit report as well
Product: Credit card or prepaid card

On XX/XX/2019, I received a charge of {$1000.00} ( statement ending XX/XX/XXXX) on my Uber Visa card that is managed by Barclaycard. This was a merchant charge completed by XXXX XXXX XXXX. In early XXXX, I contacted Uber regarding this charge and requested to dispute it. 
On XX/XX/2019, Uber provisionally credited by account {$1000.00} ( statement ending XXXX ) while the matter was disputed. I managed to resolve the issue with the merchant and on XX/XX/2019, Uber rebilled the {$1000.00} to my card ( statement ending XXXX ). XXXX XXXX XXXX  also credited me {$500.00} as the original charge on XXXX XXXX should have always only been {$500.00}. 
On XX/XX/2019 I received another charge of {$1000.00} to XXXX XXXX XXXX ( statement ending XX/XX/XXXX ). I first contacted the merchant XXXX XXXX XXXX and confirmed that they did not authorize the charge nor did they receive payment from it. I have been in contact with Uber Visa since XXXX regarding this matter and in good faith have been told several times that this charge is verified as erroneous, that it would be " escalated '' to receive credit and to wait 7-10 days. I have done this for several weeks in good faith as I've been told in good faith they would fix this. I have been given a number of case # 's for this issue including CIS XXXX. Each time that I call back, I am told that I am wrong about this and that both charges somehow cover one provisional credit. I then re-explain the entire matter and am again confirmed that the charge is an error and that it will be fixed. Each call after the first 2, I have requested and been denied the ability to speak to a supervisor. I am at a complete loss as what to do next. This is not a fraudulent charge but error on Uber 's part but at this point ( about 6-7 weeks of phone calls and escalations ) they are not doing anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to get TV service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the dish network account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent accounts off my report.
Product: Checking or savings account

Its been over 10 days, 36 days since ive filed a dispute and no credit has been issued to my card. This is violating Reg E. This has caused me distress and I would like it resolved as soon as possible. No update has been given to me either.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX attempt to collect a " debt '' from XX/XX/XXXX XX/XX/XXXX -- ref # XXXX attempt to collect a " debt '' from XX/XX/XXXX XX/XX/XXXX -- ref # XXXX attempt to collect a " debt '' from XX/XX/XXXX Original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Radiological Services no longer exists. XXXX  that formed the group have retired. 

Insurance at the time of service was XXXX XXXX. Customer Service pulled claims and shows small amounts for multiple claims that were part of deductible. 

Aggressive calls, refusal to send paper statement, and multiple extremely negative reviews online have led me to question these demands for payment. It appears that Tulsa Adjustment Bureau ( XXXX XXXX ) has found old claims from a business that no longer exists and is getting paid for them. XXXX violations may also be a part of this.
Product: Mortgage

Rushmore Loan Management has certified figures as correct & true to the NJ courts, while helping secure a Final Judgment. However it is clear they used CREATIVE Accounting and used made up figures and wrong dates. This Foreclosure complaint is wrong from the start to the present & new recent evidence leads us to strongly believe that fraud has also been committed to secure a Final Judgment. 
XXXX XXXX XXXXXXXX XXXX for XXXX XXXX is the substitute Plaintiff on this Foreclosure with wrong figures from the beginning. It was started wrongly by XXXX XXXX XXXX and attorney XXXX, XXXX & XXXX with a negative escrow balance In breach of the modification contract. They were told by us many times that there was an error but they refused to listen. We now have the proof and its in front of the court on n a Motion to XXXX XXXX.
Product: Credit card

-- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX part XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IN YOUR RESPONSE YOU AMERICAN EXPRESSED STATED " We have not received an Affidavit of Truth, or a Pre-Arbitration Settlement Request as mentioned in your correspondence. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -WHY DO YOU CONTINUE TO PERFORM IN BAD FAITH AND LIE TO ME?? 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -AMERICAN EXPRESS YOU ARE HERBY PUT ON PROPER NOTICE ON THE FACT THAT YOU HAVE DENIED ME MY FEDERAL RIGHT TO CREDIT WHICH IS DISCRIMINATION IN CLOSING MY CREDIT ACCOUNTS AS YOU CLAIMED BECAUSE YOU SIMPLY COULD FOR NO LAWFUL REASON AND YOU HAVE ALSO DENIED ME MY RIGHT UNDER YOUR ARBITRATION CLAUSE AND HAVE FAILED TO RESPOND TO ALL MY ATTEMPTS TO SETTLE THE MATTER IN GOOD FAITH AND CONTINUE TO CAUSE HARM AND DISCRIMINATION TO ME. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THIS RESPONSE IS SIMPLY TO EXPRESS TO YOU THAT YOU IN FACT DID RECEIVE AN AFFIDAVIT OF TRUTH AND PRE-ARBITRATION AND ARE IN DISHONOR AND TO HAVE RECORDED EXHIBITS THAT SHOW EVIDENCE THAT YOU HAVE BEEN PUT ON NOTICE OF YOUR FAILURE TO PERFORM IN GOOD FAITH
Product: Mortgage

I am getting frustrated with the lack of updates and transparency within the short sale process.
Product: Credit reporting or other personal consumer reports

This is complaint is to remove this account listed below which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

AMERICAN EXPRESS XXXX COMPLAINT On XX/XX/XXXX, my XXXX XXXX XXXX husband who is an XXXX, who is not proficient in reading or writing in English, attempted to book a hotel stay at the XXXX XXXX at XXXX XXXX XXXX through his phone. He was misled by the advertisement and unknowingly booked his reservation through XXXX The reservation was for 1 room for 2 nights and was represented for a total of {$1800.00} for the 2 nights. After accepting that represented charge he got the RESERVATION CONFIRMATION which was {$1800.00} for EACH night and an additional {$1300.00} in Tax recovery charges and service fees! Grand total {$5100.00}!!! Immediately we received from AMEX a notification via email of this LARGE PURCHASE {$5100.00}. He and I called AMEX to stop the charge from going through. It was very frustrating as the automated system could not understand that he needed a representative. Finally reaching a representative ( recorded for security purposes? ) we told AMEX to stop the charges, that this was not a legitimate charge. The representative told him that we had to wait until the charge posted in our account. ( Why would they not deny the charge straight ahead, protecting us from this nightmare of a charge. They are the first line of defense. Why would AMEX send you a Notification if you can not do anything about it? ). My Husband contacted AMEX on XX/XX/XXXX or XXXX. Told them the same story. That representative told him to wait until the Statement comes out on XX/XX/XXXX to see if the charge had been removed. He called on XX/XX/XXXX and then and only then does the dispute of the charge show that it was initiated. The dispute was closed on XX/XX/2024! Our daughter helped us to get it re-opened as a fraud case, finding out that XXXX in a simple XXXX search shows that many consumers have been scammed by this XXXX AMEX could have stopped these charges from the beginning. AMEX has closed the disputes and fraud investigations and have re-charged us the {$5100.00}. 
We cancelled the Hotel Reservation immediately. We requested our money back from them. They sent us canned emails every 2 days and then would say they could not contact the third-party hotel partner. 
XXXX XXXX has been with American Express for over XXXX years. During this process of getting this ridiculous charge resolved, a representative convinced my Husband to agree on a NEW SECURE card for an additional {$260.00} a year annual fee! 
WHAT SYSTEM DOES AMEX HAVE TO PREVENT THIS FROM HAPPENING AGAIN. WE CALLED IMMEDIATELY. THEY DID NOT STOP OR HELP TO GET OUR MONEY BACK
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years since XXXX and Present XXXX has put many negatives and collections on my credit report and I have filed many Federal complaints and XXXX ignore in deleting the negative collections and negative marks on my XXXX Credit report. 

XXXX allow their third parties business partners to use my Private information such as Social Security number and all my private information. 
XXXX even had a Data Bleach issues and was sued by Law Firms in XXXX Georgia with a {$1.00} XXXX Dollars Class Action Lawsuit in which I haven't receive my Restitution Award Settlement check no less than {$50000.00} and XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX with Claim number # XXXX Refuses to send my check by US Postal Mail Service Express, or Federal Express Mail XXXX XXXX Mail Express as respectfully requested. 
Email : XXXX I am Respectfully Disabled Life and Retired and a US XXXX XXXX XXXX Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus was dated XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate submission and this is not filed by a 3rd party or Credit Repair Agency. I was looking over my credit report and noticed a few Credit Laws were violated. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX Account # XXXX I would like for the consumer reporting agency to provide these four items below and if they can not provide these items please delete all of these accounts from my credit report. XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With The Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) Please provide me with these four items or delete the three accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$12000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$4500.00} -This is not my account. 

2. XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to TransUnion on XX/XX/2023 and they did not respond per the FCRA 611 and refused to investigate. here is my failure to respond letter or do something about it
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma saying preapproved for a credit card but hard inquiries hurting my credit score