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

I am writing to follow up on my previous communication regarding the removal of fraudulent items from my accounts. This serves as the first follow-up attempt to address this urgent matter. 

As previously discussed, I have reported several fraudulent transactions on my accounts and have provided all necessary documentation to support the investigation and removal process. However, to date, I have not received confirmation of the removal of these unauthorized items or any updates on the progress made in resolving the issue. 

I kindly request that you provide me with a status update on the investigation into the fraudulent transactions and confirm when the unauthorized items will be removed from my accounts. Additionally, if there are any further steps required from my end to expedite the process, please do not hesitate to let me know. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear American Express Customer Support, I am reaching out to request assistance with a charge on my American Express account for hotel reservations made through XXXX, which I believe should be canceled due to a misrepresentation of the service. 

Recently, I booked two hotel reservations via XXXX, specifically choosing the " free cancellation '' option because my travel dates were uncertain. I opted for this higher-priced option to secure flexibility, expecting to be able to change or cancel the reservations if needed. However, when I tried to adjust the dates 30 days before check-in, XXXX informed me that changes or cancellations were not allowed. 

This restriction was unexpected, as the website displayed a clear difference in pricing between refundable and non-refundable rooms, which led me to believe that my reservations were indeed flexible. Additionally, the hotel confirmed they would allow the cancellation with only a one-night charge, but XXXX refused to honor this. As a result, I have been charged nearly {$6000.00} for a service that was not provided as advertised. 

Given these circumstances, I kindly request that Amex consider disputing this transaction on my behalf. I feel that this charge does not reflect the terms I agreed to when booking, and I am seeking a resolution consistent with the flexibility I initially paid for. 

Thank you for your attention to this matter. Please let me know if any further information or documentation is needed to support my request.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX The XXXX account is closed and charged off XX/XX/XXXX. However, as of XXXX XXXX, XXXX and XXXX XXXX reporting the charge off every month, which should not be done. A closed and charged-off account can only be charged off once and should not have a balance which this account does. I have tried to correct this with XXXX and XXXX with no resolve.
Product: Debt collection

In XXXX and again starting in XX/XX/XXXX, I was contacted by XXXX XXXX, claiming I owed a debt related to a so-called clerk of the court. 

On both occasions I asked for relevant information about the validity of the debt, pursuant to the Fair Debt Collection Practices Act. They refused to provide any information, only claiming that the so-called debt had been " verified, '' but not providing any specific documentation as mentioned under the FDCPA. 

This is now beyond harassment and their repeated attempt to defraud me in collusion with this so-called clerk of the court need to be criminally prosecuted for their attempted fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are allowing XXXX XXXX to report a Bankruptcy in which the Federal Bankruptcy Court is not reporting. I do not have an account with XXXX XXXX or a contract. The federal bankruptcy court is not verifying my personal info to XXXX XXXX and it is illegal for a third part to report of verify such information in which they were not a party to. 

The same three credit bureaus is further violating my constitutional rights by allowing XXXX XXXX to report a civil judgment from the XXXX County Tennessee Court that is marked satisfied. I do not have an account with XXXX XXXX and they are reporting a collection of {$4900.00} when the court has marked the judgment satisfied. This is a violation of the Fair Credit Reporting Act. 

The same three credit bureaus is again violating my constitutional rights by allowing the Tennessee Dept. of Human Services to report a civil judgment from the State of Texas. They have been incorrectly reporting and will not allow me a hearing for the negative reporting. State law forbids adverse credit reporting without the opportunity of a hearing. They have removed {$13000.00} from my credit, but should not allowed to report anything that was not entered by the State of Texas. Moreorver, the state law only allows them to report on  accounts that are over {$1000.00} past due. I am not past due on an agreed upon judgment in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXXXXXX XXXX XXXXXXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 

JPMCB CARD you have continually furnished a misleading, incorrect information to the credit reporting agencies, this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation JPMCB CARD you are reporting a PAID account with account number XXXX and {$0.00} ( XXXX ) balance as Collection/Charge-off. 

From the definition of a Charge off account ( XXXXXXXX XXXX XXXX XXXX  XXXX Edition ) Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. Furthermore from same Dictionary ( XXXX 'XXXX XXXX XXXX XXXX Edition ) a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes. 

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me depressed. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit. 
Remove reporting of the charge-off account from all consumer reporting agencies. 
Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a recent issue with my Nordstrom credit card account. My name is XXXX XXXX and I have been a loyal and responsible customer for a long time. I have always made my payments on time and have never received any notices of late payments. 

Recently, I was shocked to discover that my Nordstrom credit card had been closed without my knowledge. This closure has had a significant negative impact on my credit score, which has been impeccable until now. I have always had my payments set up on auto-pay to ensure that they are made on time, so I was surprised to learn that there was an issue with my account. 

After investigating the matter further, I discovered that there was a bank error that led to the closure of my Nordstrom credit card. This error was not caused by any actions on my part, and I believe that it is unfair for my credit score to suffer as a result. 

I am requesting that Nordstrom Card Services take immediate action to rectify this situation and correct the error on my credit report. I have worked hard to maintain a good credit score and I believe that I should not be penalized for a mistake that was out of my control. 

I appreciate your prompt attention to this matter and look forward to a resolution that is fair and just. Please contact me at or to discuss this issue further. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive made payment online for affirm loan for payment plan to purchase items. I made payment but affirm company has not provided any details on payment to the credit bureau experian and says that they are accurate with the information. I dispute this claim with experian and all they ( affirm ) says to experian is that the information is accurate. Its XXXX! 

Please file a lawsuit against affirm for their blatant lies. 

Thank you. 

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

XXXX XXXX account number # XXXX need to be updated on credit report. Account shows included in bankruptcy but account has been being paid since XXXX all the way XX/XX/XXXX and was paid in full. XXXX XXXX has recently reported that this account was included in bankruptcy was that is not the case I have attached payment history and paid in full letter from XXXX XXXX XXXX and is requesting my credit report to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit file ive noticed alot invalid data that is hindering my credit. I'm intrested in disputing all incorrect information on my credit report on Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 4. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 6. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 7. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 8. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 9. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation
Product: Vehicle loan or lease

XXXX XXXX lease was At the end of my lease of 39 months. I called and extended my lease for 6 months and was told me it was month to month and i can turn it in any time and pay for keep making payments as i go along. Well 3 months later my wife and i decided to cut our cost so called and asked for end of lease inspection and since i made payment for following month i asked them to to hold that payment for lease turn in fees. So after run around to get lease inspection took them two weeks due third party company over booked. After calling and keeping them updated about the inspection and making sure my payment will go towards the turn in fee and not another month of payment. They confirmed me that information couple times that will once finale bill is posted and will take a month. Got my last bill shows i owe {$350.00} for lease end fee. So I called told them i have paid them {$500.00} for month that I did n't have the car was turned was told by their staff that it will go towards my lease turn in bill they claimed they did n't have any notes of such. My lease was on month to month and they took my payment even when my car was turned in.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
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

I have called the company and reported that this was not my account and theyre still reporting it on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I am concerned with the mark on my credit report. My payment history was marked 30 days late for my XX/XX/2020. This is what happened, my daugther, XXXX XXXX, who is an XXXX XXXX, is with me on this account. This is a joint account. She attempted to make the payment from overseas several times but it kept returning the payment then we inccured a late payment, so what I did was I took care of the matter and paid via my debit card and enrolled to automatic payment so this will not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information contained in my credit report. Specifically, I am requesting the removal of all phone numbers associated with my accounts. 

According to the e-Oscar Metro 2 compliance guidelines, all information reported to credit bureaus must be accurate and complete. Any inaccurate or incomplete information can negatively impact my creditworthiness and ability to obtain credit. 

I have reviewed my credit report and noticed that several phone numbers associated with my accounts are inaccurate or outdated. I have made multiple attempts to contact the creditors to update this information, but to no avail. 

Therefore, I am requesting that you remove all phone numbers associated with my accounts from my credit report. Please ensure that this information is updated promptly to reflect the accurate and complete information required by law. 

If this request is not honored within the timeframe mandated by law, I will pursue legal action to ensure that my credit report is accurate and complete. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to mtake timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Midland credit management its not my first complaint about them so I am not surprised that they came back full force at me. I dont have the date of the call. But their associate immediately picked up and put me on hold. Putting a Supervisor on the phone to inform me of YET AGAIN MCM calling. Informing them acronyms are against the law. I was not informed my phone was being recorded anymore either. Especially after my last complaint, how they judge can order phone records. They have 7 of my collection accounts. They again said we are attempting to collect a debt I wasnt aware another person 3rd party individual could tell a consumer they owe debt? Violation # 3 Im up to XXXX in this phone call MCM. I offered a great deal remove the accounts and Ill call it even. Now I want my check in the mail I dont agree to settle. They already had put everything back onto my credit report HOW DOES A DEBT COLLECTION AGENCY START LATE PAYMENTS OVER? Im confused? Thats right THEY DONT. ILL SEE YOU IN COURT.. MCM. XXXX has a lot of explaining to do. Make sure they are really verifying your information and reporting accurately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 sent {$100.00} using Western Union. The receivers bank in XXXX declined the money. It has been more than a month and WU is not refunding my money. About two weeks ago WU escalated the issue but still no refund and when I emailed them they did not respond. They issued me a reference number via the email they sent me 11 days ago XXXX. 

Here is the information from WU website. It shows refunded but no refund was issued. 

XX/XX/2022 XXXX XXXX Refunded XXXX XXXX  : XXXX XXXX XXXX Track Hide details Edit & resend Payment ________________________________________ Checking ending in XXXX Delivery XXXX XXXX XXXX ending in XXXX Money available : 0-4 Business days
Product: Consumer Loan

Rise Credit XXXX has put XXXX hard inquiries on my credit report. Firstly, this is more than anticipated, and secondly, I was under the impression that these would be soft pulls - the excessive hard pulls are having a huge impact on my credit score and are keeping me from refinancing my home. Please assist me in removing these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have identity theft fraud acounts taken off of my credit report. XXXX, XXXX  and transunion keep filing it as a normal dispute and not identity theft. I've submitted ftc reports and proper identification several times. My right are being violated I've talked to several managers and all they tell me is there's nothing they cam do until investigation is done.. it is keeping me from qualifying for a mortgage and I am facing eviction I've been working on this for months. They refuse to take items off that do not belong to me. My XXXX  kids and I are going to be XXXX. This is entrapment. I feel helpless. And as if I have no rights and the credit bureaus get to dictate my life. I don't understand why they are not following the law. I submitted my ID and social security card along with ftc reports. Why won't they do their job? It's the most rediculouse ordeal I've ever encountered. I've called almost daily basis I've spoken with managers they all yell me somthing different and ultimately that I have to continue to wait. I did wait resubmitted my documentation for them to again file it not as identity theft but as a normal dispute. It's insane and I am going to sue but in the meantime. I need these items taken off or we will be XXXX.
Product: Credit reporting or other personal consumer reports

I walked into a XXXX and tried to get my first credit card. The employee told me that there was already a card out on my name, with an outstanding balance. 

Turns out that a crazy former coworker who got fired for harassment and anger issues took out a card in my name through XXXX and racked up a debt, more than a year prior. I can't legally prove that he did it, but he sent me much anonymous harassment around the time that the card was created. 

XXXX  have done NOTHING to deal with the card after multiple hour-long phone calls. I've had more than one XXXX phone agent tell me that the issue of the fraudulent card was completely resolved, and that I would see it fixed within a matter of weeks. They outright lied to me, each time. In my most recent call, they finally shoo-ed me away to TransUnion XXXX instead . 

TransUnion was unable to verify my identity after account creation. Part of that account creation involved submitting XXXX. It was extensive and I completed it accurately. 

A TransUnion online agent was unable to verify my identity via in-website messaging. They asked me about my XXXX previous addresses, which I provided. Then, the agent denied me and gave no explanation as to why. 

A TransUnion agent was unable to verify my identity over the phone. He told me to write a physical letter to the TransUnion XXXX XXXX Department with certain criteria to verify my identity. 

I sent information above and beyond the required criteria in that letter, but have received no response for about XXXX months now. 
An online TransUnion agent assured me that there was a " 100 % '' chance that I'd receive some sort of response within 30 days. I have not. 

The process of trying to resolve this fraudulent credit card has been absolutely excruciating and needlessly overcomplicated. Everyone I talk to just passes me off to another agent. 

Now, more than a year after I started the process of trying to get this fraudulent card dealt with, I'm in the process of applying to the XXXX XXXX XXXX. And, wouldn't you know, they check applicants ' credit scores. 

If my odds at a XXXX  career will be compromised by incompetent support from XXXX and TransUnion XXXX, I don't think I'll ever forgive them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an Apple credit card with Goldman and Sachs. I closed this credit card and paid it in full in XX/XX/2021. There have been fraudulent charges made on this card which I am unsure how as I closed this card over a year ago. It has been reported to the credit bureau that I have 5 missed late payments and this has greatly negatively affected my score. I need this resolved ASAP and there late/ missed payments removed from my credit report as the information is inaccurate.
Product: Credit card or prepaid card

Tried to use an HSBC credit card I had for a while and it would not go through. 

A week later I get a letter that says the account would be closed if I did not use the card 3 weeks ago. If I wanted to keep the card, I need to use it 2 weeks before I got the letter in the mail ... 

Then they sent me another letter ( enclosed ) that the first letter was a mistake and I could used the card NOW if I wished to keep the card. Again when I used the card it was declined. I called HSBC that weekend and of course they said once again the card was closed. 

My contention was both letters were mail fraud and a backwards paper trail of why they closed my account TO MAKE IT SEAM LIKE THEY DID NOT CLOSE IT ALREADY. 

They are just trying to close accounts ahead of the Corona-19 problem which I understand but by sending letters too late and playing games which I assume is against banking laws. Enclosed is the second letter acknowledging the first letter.