23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Friday, XX/XX/XXXX I purchased resume and job search services from XXXX XXXX XXXX for {$170.00}, and the merchant failed to provide services. 

Tuesday, XX/XX/XXXX I called Discover to dispute the charge after the merchant would not respond to me, and I was told to wait 10 days after purchase. 

Wednesday, XX/XX/XXXX at XXXXXXXX XXXX I called and placed a dispute for {$170.00} with XXXX XXXX XXXX. 

Friday, XX/XX/XXXX at XXXXXXXX XXXX I called Discover to discuss the details of them stating the charge was valid. I spoke with XXXX, and he told me the claim was denied. The reason cited was insufficient documentation, specifically the inability to verify the recipient email address and the identity of XXXX XXXX. I requested a supervisor and XXXX in Delaware said the claim was denied because the merchant submitted documentation stating all sales are final. I am deeply concerned that Discover 's investigation process is not being followed rigorously. The conflicting information provided by your representatives, XXXX and XXXX, further undermines the credibility of your dispute resolution process. 

I have reviewed the information provided by your representatives, XXXX and XXXX. While they have stated that " digital links '' were sent, no concrete evidence has been presented to substantiate this claim. Additionally, the order status of " Unfulfilled '' on XX/XX/year>, further undermines the assertion that services were completed. 

All calls are required each representative told me something and it also contradicts what the letter XXXX read to me aloud. 

Dispute # XXXX
Product: Credit card

For history purposes, I rented this jet ski on XX/XX/2023 for my birthday in XXXX XXXX XXXX. The jet ski that I was given was pretty scratched up ( as shown on the attached pictures ) and they didnt do a walk-around like they would in a car rental establishment to assess damages that were on the vehicle before rental, but I did not think anything of it. When I came back from the jet ski adventure an hour later, they started pointing to the scratches on the vehicle, and I said those were on the jet ski when I rented the vehicle. They then said, see these scratches are wet and were just done. I said that is stupid, the jet ski is in the water of course the scratches are wet, we argued back and forth and they told me the damages, and I said no way am I going to pay this and me and my family left and then I reported this to Citibank the moment I came back home. The gentleman I spoke to understood, that this is a common scam that happens to multiple people ( see four reviews attached just this year that show a pattern of doing this to people and link to reviews below ). I have also included a copy of the contract that I signed for your review. 

https : XXXX Further, I have attached a picture of what a brand-new jet ski would cost in Mexico which is way more than the damage they accused me of causing. After speaking to the Citibank representative, I was so sure this would be handled by Citibank as this is a commonly known scam that I thought Citibank would recognize. I am disappointed in Citibank that I should have to go to such great lengths to prove myself innocent and that I dont have any protection from people like this.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - 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 Listed below are the Collections that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Im submitting this complaint myself and there is no third party involved. On XXXX I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged.

Due to 15 U.S. Code 1692 ( e ) and 15 U.S. Code 1692a ( 3 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enquiries 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 reporting or other personal consumer reports

I am writing to formally request a reinvestigation into my ongoing complaint against Transunion regarding XXXX XXXX XXXX XXXX XXXX. Despite multiple disputes and complaints previously filed with your office ( CPFB XXXX XXXX XXXX XXXX XXXX, CPFB XXXX XXXX filed on XX/XX/XXXX, and CPFB XXXX XXXX XXXX XXXX XXXXXXXX ), Transunion has consistently failed to report accurate information on my credit report. 
The most recent update by Transunion on this account, with the status and balance being updated in XX/XX/XXXX, still presents a significant issue- the payment history is either missing or incomplete. I am deeply concerned about the impact this inaccuracy has on my creditworthiness. I am formally requesting the immediate deletion of this inaccurate and incomplete information from my credit report. 
I have attached documentation of which highlight the persistent issues I am facing with Transunion 's reporting practices. 
Moreover, I want to bring to your attention a lack of resolution, inaccuracies, and credit reporting violations by Transunion, as permitted by the Fair Credit Reporting Act ( FCRA ) guidelines. Despite my continuous efforts to resolve inaccuracies in my credit report with Transunion, particularly regarding the account mentioned above, Transunion has failed to provide a satisfactory resolution, and their reporting continues to violate FCRA guidelines. 
It is noteworthy that this account is not even reporting on XXXX, further emphasizing the discrepancies in Transunion 's reporting practices and potential violations of FCRA law. 
As outlined in the FCRA, specifically FCRA 611 ( 15 U.S.C. 1681I ) - Procedure in case of disputed accuracy, if after any reinvestigation of information disputed by the consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 
I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes the necessary steps to ensure compliance with FCRA guidelines. I am seeking the immediate deletion of the inaccurate and incomplete information from my credit reports. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will facilitate a fair and timely resolution.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Allegedly on XX/XX/2017 this account was opened according to XXXX. But their is no paper trail at all on my credit report form XXXX everything is blank. On XX/XX/2017 XXXX & XXXX states this account was opened. XXXX has it marked as a charge off and XXXX marks it as paid off. Due to the inconsistencies between the 3 bureaus and incorrect information I'm sincerely asking you guys to please remove this derogatory account off of my credit report. I'm a military veteran that is trying to do major things for me and my family like get a bigger vehicle and purchase a home but this is one of the things that has me pigeonhold. As per the Fair Credit Reporting Act which touches on the the right to address incorrect information on your credit report, please remove this account I ask humbly. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting

RMP Services is on my credit report and this does not belong to me. It has a balance of {$220.00} and it indicates Medical. I would like it removed from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX ), ( DEPT OF EDXXXX XXXX XXXX, ( XXXX DEPT OF ED ) 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. 

Please delete the following accounts : ( XXXX XXXX XXXX XXXX ), ( DEPT OF EDXXXX XXXX XXXX, ( XXXX DEPT OF ED ).
Product: Debt collection

In XXXX, 2020 " American Express '' cardholder XXXX XXXX and I agreed upon payment of a flat fee of {$10000.00} for professional legal services. I have a witness named XXXX XXXX who can attest to this. Payment was made in 3 separate payments ( XX/XX/2020, XX/XX/2020 and XX/XX/2020 ), one week apart from each other and with XXXX 's prior knowledge and approval. The legal services consisted of drafting very specific, unique and complex settlement legal documents between 2 parties ( XXXX and XXXX ) in attempt to prevent a legal matter from going into a lawsuit. These documents were prepared to XXXX 's unique specifications and provided to the both parties, who then decided between themselves not to execute the documents. 

Failure of the settlement has now resulted in a very large lawsuit against these 2 parties. 

In XXXX, 2020 XXXX sent a {$10000.00} " charge dispute '' to " American Express '' in an attempt to reverse the charges claiming he had " no knowledge '' of the charges for the legal services. " American Express '' investigated and confirmed to " XXXX '' ( my card payment processing merchant ) that the dispute was resolved in my favor. 

Today XXXX again contacted " American Express '' in what is clearly an attempt to commit " theft of professional services '' and dispute these charges. The services have been 100 % performed and provided in a timely and diligent manner. XXXX is abusing his card privileges with " American Express '' ( or " American Express '' is condoning XXXX 's behavior ) because I am aware of several other " disputes '' he has had with other professionals where he seeks to have charges for professional fees reversed in " bad faith '' and with the intent to harm professionals who provided his services.
Product: Debt collection

ALL 3 " CRA '' REPORTING OUTDATED FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES ... '' CONVERGENT/ BELK XXXX XXXX XXXX, XXXX XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -i ) promptly delete that item of information trom the tile of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 
Accounts XXXX XXXX, Account # XXXX Amount {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is still reflecting an old account which should have been deleted as of XX/XX/XXXX. My conns account was opened on XX/XX/XXXX and by law of seven years it should be removed from my credit report. I have talked to several agents and can not get them to remove this even after they say they will
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern at Experian, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse Account number. XXXX XXXX XXXX Balance {$1000.00}, XXXX XXXX POWERED BY XXXX {$790.00}, XXXX {$180.00}. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. am not in dispute of the ownership of the account but it you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing late payments on my account with the credit bureau and asked them to show me the method of verification since they continue to update the account after each investigation yet they have not complied with my investigation request. I have not gotten any document showing these late payments are accurate 1. XXXX XXXX XXXX XXXX  Account Number XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX 2. XXXX XXXX Account # XXXX Late payment XX/XX/XXXX XXXX
Product: Checking or savings account

Opened a new checking account with Wells Fargo Clear Access Banking & A regular Checking account because of the previous fraud that took place on my Wells Account & now you guys refuse to let me open a checking account, i really love this bank. I funded my clear access bank account & received two emails stating my accounts will be closed. 

Wells, please help me out here. love this bank
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting or other personal consumer reports

In Accordance to 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 inc # XXXX. XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX  # XXXX. XXXX  # XXXX. XXXX XXXX # XXXX I looked at my XXXX, XXXX and transunion report on XX/XX/2024 and notice something are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. XXXX
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX