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

I am writing to you in the utmost frustration and disappointment regarding an erroneous account that has been consistently reported on my credit file. I am formally disputing this account, which is clearly a result of fraudulent activity. This situation has caused significant damage to my creditworthiness, and I insist on its immediate removal from my credit report. 
Account Information : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
I have attached supporting documents, including affidavits and evidence, which unequivocally prove that I have been a victim of identity theft and that this account is fraudulent. This matter is of grave concern as it has adversely affected my ability to secure credit, obtain housing, and achieve financial stability. It is crucial that you take immediate action to rectify this situation. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and timely resolution of this dispute. According to the FCRA, you have a maximum of 30 days to investigate and respond to my dispute. Any failure to adhere to this timeframe will be seen as a violation of federal law. 
Furthermore, I reserve my right to take legal action if this matter is not promptly and properly addressed. I will not hesitate to seek damages for the harm that has been inflicted upon my financial well-being and reputation.
Product: Debt collection

received document from the company ( trellis company ), stating that they had acquired a delinquent student loan debt from another company. I received this notice on XX/XX/19, however the letter was dated, XX/XX/19. With that, the letter states that they ( trellis ) acquired this debt from another company ( XXXX ) who was well aware of the fraudulent nature of this student loan, as I not only have never taken out a student loan, I have never been a student outside of receiving a free public high school education. Thus making it more than impossible for me to incur student loan debt. Trellis Company has threaten to tarnish my credit score, by reporting this erroneous baseless account, as well as garnish my wages. Ultimately, Trellis company is attempting to collect XXXX for a student loan, that i never received, did not consent to, and had no knowledge of. I have sent them the original police report associated with the original fraudulent account, as well as, a letter explaining my position.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

as you know in my other complaints that i XXXX XXXX sent out two payments a month to my bill pay recipients. fifth third was paid several extra payments. when i asked for a refund they paid me TWO payments. i assumed they were keeping a payment for this month but this month they are calling me incessantly about my mortgage not being paid. when i call them they cant find where the money went as usual for fifth third. i still never got my {$800.00} back when my payment was re-evaluated. no answer to where that went and no credit anywhere for {$800.00} either. i am also contacting XXXX XXXX about this matter. i want my money back. the {$800.00} and also the excess mortgage payments that just disappeared into thin air.
Product: Mortgage

I am addressing this complaint directly to you because I believe the issue needs attention from the highest authority. 
Recently, I had submitted an online application for mortgage refinancing to Amerisave Mortgage Corporation, XXXX ID # XXXX for my house located in XXXX XXXX, CA. Going through Amerisave 's online application, its system prompts XXXX to pick available rates the corporation would offer based on loan amount, property value, location and credit scores. Further, it let 's one view all associated costs and fees that come along the selected rate, and how much Amerisave offers as credit to the consumer to cover those costs ( please see attached printout from Amerisave online application ). According to the rate I qualified for and selected, all fees, including an appraisal fee of {$590.00}, was covered by the credit Amerisave offered, and even some leftover that ends up not being used. Even though I clearly pointed out this fact to the loan originator handling my application and I did n't want to pay an excessive fee upfront for a service I was not sure of, I was told and lured into making the payment on the pretext that it is customary and that all mortgage companies charge fees in spite of what its website claimed and offered. For an ordinary customer like myself it was confusing, and though I felt manipulated, I made the payment because I needed to refinance urgently and I was assured of the service. 
A few weeks through the application process, Amerisave indicates to me that it has rejected the application and would not return/refund the upfront charge it made. I tried to convince and prove to it that the grounds it based it decision on were not true and justified, but it was adamant on the money I felt I was unfairly ripped off. 
I believe that a mortgage corporation like Amerisave, or for that matter any other financial institution, has the right to provide services to whomever it chooses or deems qualified or deserving, but at the same time I strongly believe that an ordinary customer should not be taken or manipulated on hard earned resources for services not rendered. I believe that mortgage refinancing should not be like a " lottery '' where customers try their luck for exorbitant fees and there is a good chance that they would fail. 
I kindly request your authority to address this issue so that Amerisave refunds the fees it has charges for no avail. 

Thank you very much for your attention and consideration.
Product: Debt collection

I have received multiple calls from GB Collects debt collectors purporting to collect a debt owed to XXXX. I have written confirmation from XXXX in XX/XX/XXXX and again in XX/XX/XXXX that I do not owe any debt to the company but GB keeps calling me. GB 's collectors have refused to engage with me and hung up in me twice because they were not pleased that I was angry with them. The first person I spoke to said " fine, [ if you're going to talk that way ] we'll leave you in collections '' and disconnected the call, as did her supervisor.
Product: Credit reporting or other personal consumer reports

I had XXXX students loans and then they combined to XXXX students loans and then they combined to XXXX loan with out my knowledge. I had a plan to make a payments as I agree with them. Every years I renew it with them. But back in 2019 I never get any communications with them and they claimed they did contacted me. I tried to let them know I never received any notification about my payment status and they violated my rights. They just reported to the credit boroughs and damaged my credit report. They claimed that they did contacted me but I never received any notification from them.
Product: Debt collection

I dispute and disagree with this supposed debt which the collection agency is attempting to collect.. I dispute and disagree that I have ever had or in any way owe such debt as referenced in their XX/XX/XXXX notice. 

The vehicle in question for which I am being told the debt is owed was part of a contract XXXX XXXX for XXXX and was a contract with XXXX. The terms of the contract were such that if all payments were made in full and vehicle  was turned in/picked up by XXXX in XXXX when due at the termination/ end of the time period contracted with XXXX there was no amount or payment due at the time vehicle was turned in/picked up. I met these conditions. 

Further the vehicle was picked up by XXXX on time XXXX, as contractually required with no outstanding balance. From XXXX to present there was no communication, notice or indication of balance due or any amount outstanding at the time of pick up. And from the time of pickup of the vehicle by XXXX to this date there has never been any communication, request for payment or notice of amount due, from XXXX, or XXXX XXXX ( at the time a part of and extension of XXXX as its leasing arm to XXXX  and XXXX XXXX ), or any other entity. No notices, claims, request, invoices, detailed accounting or presentations or communications of any kind regarding any amount owed or outstanding balance.
Product: Credit card

On XX/XX/XXXX XXXX, XXXX charged my PayPal MC {$10000.00}. I disputed this information on XX/XX/XXXX with Synchrony Bank. They took the charge off and said they were starting a fraud investigation. On XX/XX/XXXX Synchrony Bank denied the fraud claim and said I received product at my home residence and I benefited from this charge. I received nothing from the charge and I did not charge or allow anyone to use my charge card. I had Synchrony Bank open another fraud case on approximately XX/XX/XXXX. To date NO one from Synchrony Bank Fraud Dept has contacted me, given me any proof of this purchase, or what I supposedly purchased with a {$10000.00} charge. I found out this charge is from a liquor store DBA XXXX XXXX aka XXXX, XXXX. I have filed a police report with XXXX XXXX XXXX XXXX in GA. The county the offense took place. I have given proof to the Sheriffs office and Synchrony Bank. It still shows on all the credit bureaus that I owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I noticed a collection account on my credit report. I called the phone number listed in the credit report. A woman replied the following morning. I spoke to her to gain knowledge of the debt this company with the name of Account Management Service 's was attempting to claim an amount owed to them of {$31000.00}. I inquired upon which medical facility was this collection account associated with a company named XXXXXXXX XXXX I had received services from this company and paid this bill in full while receiving treatments, I called to confirm this immediately following the phone call from this Account Management Services. XXXX XXXXXXXX confirmed I had no remaining or out standing bills to this facility. 
I then called my legal counsel and he confirmed as well to be on the lookout for a company named XXXX. XXXX XXXX who at one point in time provided lien upon settlement for medical treatment I received from injury I experienced in an automotive accident many years ago. I actually spoke with this company in XXXX and they confirmed that I did not owe this company for their services due to the fact there was no settlement on the auto accident, my attorney also stated that any attempt to collect funds is " Time Barred '' over 4 years have passed to even attempt to collect this debt is beyond the legal parameters. 
I spoke with Account Management Services on Wednesday XX/XX/XXXX which is the same phone conversation I mentioned earlier. The company Account Management Services is not listed as a company licensed within the State of California in the United States of America as a Debt collection company. I confirmed this on dfpi.ca.gov the State of California Department of Financial Protection & Innovation website to gain information about I assume a fictitious business attempting to illegally extort or steal money from individuals. 
I have experienced credit damage, loss of residence and employment opportunities and this is continuing to be my experience with the damage I've incurred from this debt collector and the unlawful fabrication of debt as well as emotional distress I am experiencing. 
I am submitting this to One clear my credit report of this damaging conduct and Two I hope these criminals are prosecuted and incarcerated to prevent this type of theft, Larceny or Extortion from happening within any other persons life. 
I don't know if there is an association between these Two companies but suspect Account Management Services to be acting as an unlawful extortion operation.
Product: Money transfer, virtual currency, or money service

Cashapp is holding XXXX $ of my money in limbo and will not let me withdraw the XXXX $ out of my account this is crazy its been over a month and a half and they keep giving the same excuse and closed my account upon receiving the XXXX $ I just want to withdraw my money my account is under XXXX I have sent them multiple complaints and reached out for help nothing at all in response please help!
Product: Debt collection

I was tracking on my credit report the actions of LVNV funding and a company who was also reposting a debt that I did not do and filed identity theft on those actions. 

now I see that LVNC Funding is saying they are claiming that a XXXX XXXX XXXX  and XXXX XXXX XXXX  both from something from the XXXX XXXX XXXX state I opened the account and reporting this as new reports. when their original reports were made and disputed in XXXX, XXXX, XXXX and XXXX. 

trying to declare the debts belong to a XXXX XXXX american that did not authorize the accounts. I have issued this as a discrimination and XXXX attack tactic.
Product: Debt collection

Constant calls. 4 calls in last 30 minutes from XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I called the XXXX XXXX XXXX XXXX on XX/XX/2022 to make a reservation for XX/XX/2022 under a wedding block. The reservation had to be made over the phone because their website does not support wedding block discounts. After making the reservation, I did not receive a confirmation email ( after speaking to other guests at the wedding, no one received a confirmation email ) and had to call back twice before actually receiving an email with a confirmation number on XX/XX/2022. There are no other details included in this email. On XX/XX/2022, XXXX charged my credit card for the room. On XX/XX/2022 when attempting to check in for my reservation, the hotel claimed they had nothing on file. I presented the email confirmation number as well as the charge. The front desk attendant explained that they would not charge for a room until after the stay and that the confirmation number was not in the format the hotel uses. She guaranteed me a refund for the initial transaction. She provided this guarantee on XX/XX/XXXX at check in and again on XX/XX/XXXX at check out. ( There are multiple witnesses to these conversations. ) I began calling the hotel daily for two weeks post checkout. The manager claims that I was a no show in XXXX. There are transactions posted in XXXX on this same credit card in Virginia. Chase authorized a fraudulent transaction for a service I did not agree to. I filed a claim with Chase at the end of XXXX. I filed a complaint with the XXXX XXXX XXXX Both Chase and the XXXX  sent responses saying they could not reach the hotel. Chase reversed the reimbursement. I immediately called Chase and asked for the evidence they collected from the hotel. They could not provide anything. A representative recommended I report it as fraud. On XX/XX/2022 I received a call from Chase saying they could not reach the hotel and had been attempting to for weeks. This representative stated the charge would not be put back on my account. On XX/XX/2022 I noticed the charge was back on my account. I called Chase to file a complaint, giving the details above for the XXXX time. I have proof that I was not in XXXX, Washington in XXXX. Chase is siding with a merchant who has no valid documentation of a no-show because that reservation was never made.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my Experian credit report, and I noticed an late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry - Loan or credit application XXXX XXXX XXXX XXXX  obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application CXXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Installment Loan Inquiry XXXX XXXX obtained a copy of your Experian Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX )  obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX   ) obtained a copy of your XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing all disputes on my credit report with Equifax to delete an remove the inaccurate data that is hindering my file. ive noticed alot of invalid data that needs to be removed asap. check the information submitted.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the urgent removal of fraudulent items from my credit report. 

Recently, I discovered fraudulent activity on my credit report, including unauthorized accounts and transactions that were opened and conducted without my knowledge or consent. These fraudulent items are severely impacting my creditworthiness and financial standing, and I am deeply concerned about the potential consequences of this unauthorized activity. 

I have taken immediate steps to address this issue by contacting the credit reporting agencies and reporting the fraudulent activity. However, despite my efforts, the credit reporting agencies have failed to take swift action to remove these fraudulent items from my credit report. 

Given the urgency of this matter and the potential harm it could cause to my financial well-being, I request that you intervene to expedite the removal of these fraudulent items from my credit report. I urge the credit reporting agencies to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the fraudulent activity on my credit report, including reimbursement for any unauthorized charges or fees incurred. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX OXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, AZ XXXX.
Product: Credit card

XX/XX/2024 On XX/XX/2024, I sent in a letter to Chase which said the following : " Hello Chase Disputes, I have submitted evidence that these charges are not valid. Please can a manager give me a call back regarding this case because I have not heard anything regarding the status of the case. The last thing I heard was that the merchant was required to respond and that it was under merchant review. I have not heard anything since. 

I am available to answer any questions or to provide additional documentation upon request if it is required to substantiate my claims. 

Thanks '' As of XX/XX/2024, I have not recieved a call back from chase.