23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My chase account XXXX was fraudulently debited from a company i have never done any type of bussiness called XXXX XXXX chase refuses to credit my account ive sent of copy of police report too them they still refuse too help me.
Product: Debt or credit management

XXXX XXXX i have paid them over 10 years i have not received any changes on my credit i have received a check from settlement but i would like a full refund of what i have paid to this company
Product: Debt collection

There is a collection account appearing on my XXXX credit report that the reporting agency ( Southwest Credit Systems ) has acknowledged to me is fraudulent and should not be associated with me. 

An earlier problem that I encountered in my attempt to resolve this issue was previously submitted to CFPB under Case Number XXXX. At that time, I was having problems getting XXXX to provide " a description of the procedure used to determine the accuracy and completeness of the information. '' As a result of that previous case number, I did receive that information. 

I then contacted Southwest Credit Systems, the company that was reporting this collection account to XXXX, to find out why they had this erroneous information on file. A summary of the interactions I had with Southwest can be found in the attached SWC Group Dispute Letter.docx file. Note that it was established in my first call to Southwest that this was a fraudulent charge and that I then spent the next few days fruitlessly trying to complete their process to finish resolving this issue. When it became clear that phone calls were not going to resolve anything with them, I sent the referenced letter. I did receive one callback ( finally ) from Southwest on XXXX XXXX ; I was not home at the time, but returned the call at XXXX XXXX. ( ET ) that day, once again leaving a message with all of my contact numbers and imploring them to please call be back. As of today, XXXX XXXX, I have not had any further contact from them. 

Because Southwest is behaving in a negligent manner by not resolving this issue, this erroneous information continues to appear on my XXXX credit report, as re-confirmed by XXXX as a result of the complaint I filed with CFPB as Case Number XXXX. 

At this point, I feel like I have done everything I can to make this right with both Southwest and XXXX, but somehow it 's just not getting through, and would appreciate any assistance that CFPB could provide to get Southwest to close out this issue and alert XXXX that this should not be on my credit report. The bottom line here is that Southwest knows that this is a fraudulent charge ( as detailed in the SWC Group Dispute Letter ) and despite my making every effort to work with them to get their information corrected ( also detailed in the SWC Group Dispute letter ) they are not getting this taken care of. 

I know that this is a small matter in the grand scheme of things, but I take pride in the fact that I have a good clean credit report with no issues. The fact that there is an issue on it that does not belong to me and is n't getting corrected, despite my having spent far more time on this than I should have to, is extremely annoying given that I am the person who potentially suffers as a result, not whoever it was that made the mistake in the first place.
Product: Debt collection

Comenity Bank has called me 3 times so far today, XX/XX/21. I answered the 3rd call at XXXX CST and told the person to please not call me while I am at work, from XXXX. The caller told me that I could just put my phone on silent. I responded and stated that it is my right to request that I not be bothered while I am at work. The caller responded to this by saying " or you could just pay your debt and we wouldn't be calling you. '' I responded by stating that I was going to file a report for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern I received a copy of my credit report. To my surprise you are reporting these accounts incorrectly. These Collections accounts is reporting not only as open but also shows a past due balance. According to the FCRA i have the right to a accurate credit report. Please remove these accounts immediately from my credit report. 
Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) you are required by federal law to clearly and accurately disclose all information in my file at the time of the request. Please respond with Verifiable proof of an original consumer contract with any signature that you have on file for the accounts listed. I am the victim of identity theft which resulted some accounts being opened in my name. I have filed a report with the federal trade commission and i reported the issue to the companies where opened. Please remove the following accounts which were opened by fraud within 4 business days per FCRA section 605B ( a ) 1. XXXX XXXX  XXXX # XXXX {$1100.00} 2. XXXX XXXX XXXX # XXXX {$420.00} 3. XXXX XXXX XXXX # XXXX {$230.00} 4. XXXX XXXX XXXX # XXXX {$3700.00} 5. XXXX XXXX XXXX # XXXX {$270.00} 6. XXXX XXXX XXXX # XXXX {$230.00} 7. XXXX XXXX XXXX # XXXX {$160.00} 8. XXXX XXXX XXXX # XXXX {$54.00} 9. XXXX XXXX XXXX # XXXX {$160.00} 10.XXXX  XXXX XXXX XXXX XXXX {$160.00} 11. XXXX XXXX XXXX # XXXX {$160.00} 12.XXXX XXXX XXXX # XXXX {$160.00} 13. XXXX XXXX XXXX # XXXX {$350.00} 14. XXXX XXXX XXXX # XXXX {$55.00} 15. XXXX XXXX XXXX # XXXX {$220.00} 16. XXXX XXXX XXXX # XXXX {$230.00} 17. XXXX XXXX XXXX # XXXX {$160.00} 18. XXXX XXXX XXXX # XXXX {$54.00} 19. XXXX XXXX XXXX # XXXX {$3600.00} 20. XXXX XXXX XXXX # XXXX {$160.00} 21. XXXX XXXX XXXX # XXXX {$6700.00} 22. XXXX XXXX XXXX # XXXX {$190.00} 23. XXXX XXXX XXXX XXXX  XXXX # XXXX {$620.00} 24. XXXX XXXX XXXX XXXX # XXXX {$330.00} 25. XXXX XXXX # XXXX {$5600.00} 26. XXXX XXXX XXXX # XXXX {$730.00} 27.
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX Midland Funding XXXX. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Debt collection

I have reported the alleged account several times. I filed a police report as well. The company is constantly contacting me. They will not provide me with a signed application or a photo copy of my identification. Every representative that I have spoken to confirms that there has been several calls from another customer trying to reopen the account. By law I have the right to request certain documents from the creditor who is claiming I owe them debt. Someone used my information without my permission and this bank refuses to accept that they are at fault for this.They also sent me a letter stating they have a {$0.00} fraud liability policy which means I am not responsible for any unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Experian requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

The inquiries below should be deleted from my credit rort. I didn aurthoizeed thiese inquiries. 

MECHANICS BANK FKA CRB Date : XX/XX/2016 XXXX XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date XX/XX/2016 XXXX Date : XX/XX/2016 XXXX Date : XX/XX/2016 XXXX TEXAS Date : XX/XX/2016 XXXX XXXX Date : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and aggressive notice of dispute regarding the inaccuracies reported on my credit file by your organization. Despite several prior disputes, you have failed to correct the erroneous information associated with my account ( XXXX XXXX XXXX ) ( Account Number ending in XXXX ). This negligence is unacceptable and constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 and 6802 ). 
LISTED ON : EXPERIAN, XXXX & XXXX Specific Issues in Dispute : Reported Balance of {$17000.00} : The reported balance is grossly inaccurate. I have never received {$17000.00} in any of my bank accounts or any other form of disbursement from your organization. This amount has no basis in fact and represents a fabricated figure. 

Balance Representation as a Positive Figure : The balance being reported as a " positive figure '' implies funds available to me, which is entirely false. This misrepresentation is misleading, deceptive, and harmful to my financial reputation. 

Repeated Reporting Errors : Despite previous disputes sent to your office, you have continued to report the same inaccurate data without conducting a proper investigation, which is required by law. Your failure to comply with federal statutes demonstrates either gross negligence or willful non-compliance. 

Legal Obligations Under 15 U.S.C. 6801 and 6802 : Under the Gramm-Leach-Bliley Act, you are required to protect the accuracy and confidentiality of consumer information. Your repeated and continued inaccuracies reflect a failure to safeguard and properly verify my financial data, as mandated by law. This is a clear violation of your obligations, and I demand immediate corrective action.

Demands : Cease and Desist Reporting Inaccurate Information : Immediately remove the incorrect balance of {$17000.00} and all associated derogatory marks from my credit report.

Conduct a Proper Investigation : Complete a thorough investigation into the inaccuracies, providing me with documented proof of the origin and legitimacy of the reported balance.

Provide Written Confirmation : Within 30 days, confirm in writing that the disputed items have been corrected and removed from all credit reporting agencies.

Failure to resolve this matter promptly will leave me with no choice but to escalate this dispute further by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies to protect my rights.

This is your final opportunity to address these inaccuracies before further action is taken. I expect immediate attention to this matter.

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

I am disputing the Inquiry on my Equifax credit report from XXXX on XX/XX/2017. On that day, I called XXXX to obtain pricing. The representative I spoke with kept pressuring me to sign up that day. I explained numerous times that I would not be signing up that day. He continued to pressure me, stating that if they ran my credit that day, I could be immediately signed up. I told him several times that I did not consent to this inquiry and finally hung up on him. He tried calling me back at least 3 times but I didn't answer. Within 5 minutes of hanging up, I received an alert that XXXX has posted an inquiry on my Equifax report. I immediately contacted XXXX to alert them and I received the attached letter from XXXX stating they agreed that the inquiry wasnt allowed and would remove it from my report. Since XXXX, I have tried various ways of disputing this item through XXXX and Equifax. I've actually filed 3 disputes with Equifax ( by mail and online ) ; however, each dispute has been completed without Equifax contacting XXXX. I've tried contacting both companies on XXXX but haven't had any luck. Anything you can do to assist would be appreciated.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed about 20 different credit inquiries that I did not authorize and I want the removed immediatly
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Account # : XXXX 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. 
the
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) Due to inadequate customer service and unfair practices, which violates the ( CFPA ) consumer financial protection act, specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable but also 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting XXXX  Account # '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 an account with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States any other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

COLLECTOR KEPT CALLING MY CELL NO. ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX AND CALLING TO COLLECT XXXX XXXX XXXX DEBT.
Product: Debt collection

Dear Sir/Madam, I am writing to formally file a complaint against American Express regarding a series of failures and unfair practices related to the handling of my account, specifically for the cards ending in XXXX, XXXX, and XXXX. 

On XX/XX/XXXX, I entered into an agreement with the American Express legal team to settle the outstanding balances on my cards. It was understood that payment would commence once I received a written agreement that outlined the terms and amount of payment to be made. Despite numerous follow-up calls on recorded lines, I never received this written agreement. 

In good faith, on XX/XX/XXXX, I provided American Express with my banking information, including account and routing numbers, to facilitate ACH withdrawals for the agreed-upon payments. Additionally, it was agreed during that phone call that American Express would cease all legal action for collection and would set up a payment schedule. I also provided my cell phone number, and it was explicitly agreed that, should any issues arise with the payments, American Express would contact me directly via my cell phone.

However, despite these agreements, American Express failed to initiate the agreed-upon payment on the scheduled date in XX/XX/XXXX, and they did not contact me to address any issues with the payment. Instead, they resumed legal action to collect the balance. When I contacted American Express on XX/XX/XXXX, I was told that no ACH setup had been made, despite the first payment being successfully processed via ACH on XX/XX/XXXX, and the fact that we had explicitly agreed they would contact me in the event of any issues. I again provided my banking information during this call to re-establish the ACH setup. 

On XX/XX/XXXX, I followed up again, only to be told that the ACH setup needed to be restarted from scratch. At no point was there clear communication or proper handling of the situation, and this has caused unnecessary confusion and distress.

In summary, American Express has failed to honor the terms of our agreement, has been incompetent in setting up the ACH payments as promised, and has resumed legal action in violation of the agreement made. Their failure to uphold their end of the agreement and their lack of communication constitute unfair business practices and have caused me significant frustration.

I respectfully request that the Consumer Financial Protection Bureau investigate American Expresss actions and practices regarding my account. I believe this matter involves a breach of contract and unfair treatment under applicable consumer protection laws.

Thank you for your attention to this matter. I look forward to your response and hope for a prompt resolution. 

Sincerely, XXXX XXXX [ Account Numbers Ending in XXXX, XXXX, XXXX ]
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had some late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX investigate and provide Proof with statements showing that these payments were late. If proof can't be gronded I demand these payments be updated to on time as they should be as I was NEVER lane. Thanks.
Product: Debt collection

These peopled called threatened me. I told them it wasn't me. I pay my bills. They said this call is recorded but they wont hear it. We will ruin your credit if you don't pay even if its not yours its on your report not mines. I didn't know what to do XXXX XXXX Account Number XXXX XXXX - Account Type Collection Collection - Terms 1 Month - - Date Opened XX/XX/2017 XX/XX/2017 - Account Status Closed Open
Product: Money transfer, virtual currency, or money service

PLEASE CHECK ALL WIRE TRANSFERS FROM XXXX-XXXX. I SENT FRAUD INDUCE WIRE XXXX   WHILE LIVING IN ILLINOIS. SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Choice Recovery put a fraudulent account on my credit report without prior notice of any kind, that has severely damaged it. I contacted themXX/XX/XXXX & informed XXXX XXXX that the account was fraudulent & to please mark as such. She told me twice that she would not. I requested a supervisor, she said one would contact me by the next business day. I still have not received a callback. I emailed them asking for account to be removed immediately do to fraud.