23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was defrauded {$35000.00} from someone who called me saying that they were a friend and needed help. Through one transaction from my XXXX XXXX XXXX account to Bank of America, one wire of money was transferred for {$35000.00} XX/XX/XXXX at XXXX from my XXXX  account to Bank of America customer . The person initially contacted me an started out nice, they through several threatening messages convinced me that I had to transfer the money to them. A I reached out to my bank at XXXX XX/XX/XXXX to notify them of the situation and they said that there was nothing that they could do. I opened several CFPB complaints and both complaints were closed after XXXX said they were not able to do anything from their side and that I needed to reach out to institution where the client whose account the money was sent. 
I have copies of the harmful messages which they sent to me. I also experienced a lot of harassment phone calls from XXXX and other places.
Product: Credit card or prepaid card

I rented a car from XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I paid for the rental on my Amex XXXX XXXX XXXX. I paid {$19.00} for Amex car rental insurance. I returned the car undamaged. The rental company alleged damage and charged my credit card an unapproved {$230.00}. I disputed the charge. Amex contacted the merchant and sent me an unreadable PDF document. I asked for a legible copy, but one was never provided and Amex closed the dispute. I then lodged a claim with Amex car rental insurance. I sent them all the documents in my possession, but some items - for example - an accident report and an estimate for the cost of repairing the damage - are not in my power to produce because there was no accident and no damage. 
I am in a catch 22 situation. The whole charge is fictitious and the insurance claim is being denied, and I am down by my {$230.00}. 
I attach a photo of the " damaged '' car taken at return
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to necessitate the removal of any incorrect accounts from my credit report. Could you examine the documents? There are inaccuracies in the reporting, amounts, and dates of some accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : XXXX XXXXXXXX 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

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XXXX store credit card with XXXX XXXX. 

I have incurred several late fees and interest charges over the past year due to late payments. They do not allow auto pay, thus setting you up to forget payment and incur penalty charges. I have a XXXX yr old mother and had events come up with her that caused some chaos. I have several other general and store credit cards and this in the ONLY one that will not accpet automatic payments.
Product: Credit reporting or other personal consumer reports

I have demanded that these agencies remove these accounts from my credit report. That I did not give permission to be there. This is my 3 report. Next will be a small claim law suit. I have all the evidence I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple accounts on my report that I do not recognize
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block 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 XXXXXXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX Balance {$7200.00} ; XXXX XXXX XXXX {$9300.00} ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Inquired on XX/XX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has placed a " promotional block '' on my file without my requesting it. This is a violation of FCRA regulations. I plan to take legal action but I want to create a paper trail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I disputed 2 student loan accounts that showed I had 4 late payments. I have never heard back from Experian. Then in a recent review of my Experian credit report I find that these late payments are still reflecting on my credit report with a comment " consumer disagrees. '' Of course I disagree and requested that Experian investigate because I had never been late and the Dept of Ed told me that I needed to dispute this with the credit bureaus.

I did what I was told and have never received any feedback from Experian.
Product: Credit card or prepaid card

I would like to reopen case # XXXX which was a charge of {$1200.00} taken by a clinic to do a XXXX on me, XXXX failed and they called the police to force me not to come back to the clinic, so they refuse correction and they even refused to followup on the XXXX. I contacted Wells Fargo and filled complaint against them and at the end Wells Fargo as usual did not do anything and offering {$300.00} instead of investigating the theft from the clinic. I paid this clinic {$1200.00} and the XXXX failed and they called the police to force me not to come to them again, so they refused to correct or even follow up on the XXXX and Wells Fargo did nothing. The lady from Wells Fargo called me on the phone and refused to listen and was in huge hurry to hang up even though my husband tried to explain to her the documents we sent and wants to check if she received them but she completely refuse to listen to him even though I told her I am giving him the permission to talk to her but because she wants to hangup she refused to talk and this illegal because both me and my husband are on the same credit card account. Wells Fargo does not follow the credit customer protection rules which entitle the customer to get his money if the service provider did not do the service as in my case, I got XXXX certified surgeons letters stating the XXXX must be repeated and I have a police report that the clinic pressed a charge on me not to come to the clinic so they refused the followup and the XXXX correction and they sent Wells Fargo a letter saying that they did the XXXX and they scratched with black marker what was the service and guess what Wells Fargo to continue his illegal action did not ask for explanation on why they black marker the procedure and why the called the police instead XXXX offered {$300.00} so I can shut up, but as I said which is expected from this bank she was in sever hurry to hang up, also she promised a XXXX will call me and no one did, I have the information and proof about this lady from XXXX that broke all rules of credit card and called me and not listen to a single word from me or my husband.
Product: Debt collection

The debt collector XXXX XXXX originally opened the debt collection on XX/XX/XXXX for the amount of {$12000.00}. I don't recall being contacted by XXXX in an attempt to set up a payment plan or explain what this debt was for. On XX/XX/XXXX this debt was given to another company by the name of XXXX XXXX XXXX, I was not informed of this change and I have never spoke with anyone from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, amount of XXXX. I have disputed this account with all 3 credit reporting agency. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these charges and inquiries on my report, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. I am a victim of identity theft and I did not authorize or make these charges or inquiries on my report. I am requesting these charges and inquiries be removed and I be provided a corrected report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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

The following accounts I have listed below BARCLAYS BANK DELAWARE/ with the date of XX/XX/2020. My rights have been violated in accordance with the Fair Credit Reporting Act. 15USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681a ( 2 ) ( A ) ( I ) Exclusions. The term " consumer report '' does not include any report containing information solely as to transactions ( payments are transactions ) or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to let you know that I was a victim of identity theft and that I want to challenge some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$6500.00}, XXXX  XXXX Balance : {$2000.00}, XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX Account XXXX. XXXX On XX/XX/2019, A company shown as XXXX XXXX XXXX was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to respond to my recent dispute. I submitted a dispute by mail to address inaccuracies on my credit report, including all necessary documentation to verify my identity. However, I have not received a response from Equifax within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA ( 15 U.S.C. 1681i ), Equifax is obligated to investigate and respond to disputes within XXXX  days. This lack of response is a violation of my rights and has prolonged the negative impact of inaccuracies on my credit report. 

I respectfully request the CFPBs assistance in ensuring Equifax compliance with FCRA regulations and a prompt resolution of my dispute.
Product: Checking or savings account

Date of the Fee : XX/XX/XXXX Amounts : {$430.00} Actions that were taken : XX/XX/XXXX : I was doing an internal audit on my Bank of America XXXX Account, I noticed two charges totaling {$430.00}, titled " Statement Copy Fee '' from XX/XX/XXXX. After chatting with a Bank of America associate, I am almost certain that this fee was associated with a Statement Copy of XXXX or XXXX that I had requested at a local Bank of America Banking XXXX XXXX XXXX XXXX XXXX in XXXX, which I was never informed that I would be charged such a fee at the time of the request, nor did I ever actually receive the statements through my mail. I am very certain that I did not sign nor agree to any fees that would be imposed to my accounts. The representative whom I talked on the phone, told me that since it had been more than XXXX year, he would not be able to refund that fee, instead he would submit a complaint, and it should be resolved in a month or so. 

XX/XX/XXXX XXXX PM : I haven't heard anything in XXXX months so I decided to pick up the phone and get an update. The representative ( I did not get her name ) I talked to at XXXX PM, via my cell, could not find the aforementioned complaint case, and told me there is nothing she could do about it. I then asked to speak with a supervisor ( XXXX, XXXX ), after XXXX minutes she gave me the same answer - " sorry, it's been more than a year, there's nothing we can do for you. '' XX/XX/XXXX XXXX : I called again because I feel very adamant about this issue ( the feeling of being cheated, the disbelief in the lack of transparency and the lack of willingness to help ) but also he was more than happy to submit a complaint case for me in order to further escalate my case. 

XX/XX/XXXX XXXX : I submitted a feedback email to XXXX XXXX, XXXX of Retail Banking ( this was the only source I could find in order to submit a feedback, see attached ). on XX/XX/XXXX, XXXX XXXX XXXX reached me for me to call her directly ( see attached ). I spoke with her on XXXX PM EST on XX/XX/XXXX, and she relayed the same thing - can't do anything about the fee and it was an XXXX decision. 

So at this point, I have exhausted all of my resources and wasted a huge amount of time to get this issue rectified, and to no avail. No one was willing to put anything in writing, all of the above was communicated to me verbally. 

I thank you for your time. Please don't hesitate to reach me should you have any questions. 
Thank you Very Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account XXXXXXXX XXXX XXXX XXXX is not reporting accurately. The account shows 1 late payment and in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments, the account was not XXXX on XXXX or XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately .Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit pulls done by several companies without my written authorization that are showing up as inquiries on my credit report and affecting my creditworthiness in a negative way. From Equifax report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX Credit bureaus were notified but refused to remove these hard inquiries on my report claiming there is no need for verbal or written consent for companies to perform a hard credit pull, while being crafty with their responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get them to remove public records of bankruptcy and charge-off, inaccurate name, phone numbers and address that I never stay or Unknown names. Ive given them correct information but they still didnt remove information.
Product: Vehicle loan or lease

In XXXX and for XXXX I sent a Money Order by way of Coupon to cure the auto loan I have with CarMax. The company has failed to acknowledge the Negotiable Instrument on both occasions thereby allowing my account to go into a past due status with the threat of taking the collateral even though I have sent in a payment via electronic transfer in XXXX.
Product: Debt collection

Was sent a letter on XX/XX/2019 by Credit Control LLC, stating that I owed this debt with XXXX XXXX XXXX , XXXX. This is at least the second company XXXX has sent this debt to for collection that I do not owe. I have disputed it previously on XX/XX/2019 with XXXX XXXX XXXX for the same debt with XXXX. Everytime I dispute it they just transfer it to another company to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : A. the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the alleged identity theft.