23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/18 a reservation was made for an event to be held by XXXX XXXX on XX/XX/XXXX and a deposit paid in the amount of {$2500.00} On XX/XX/XXXX the reservation was cancelled via writing and the company was informed. 

The company refused to cancel the reservation and started to threaten me. I called the Vice President and asked for reason for this kind of unprofessional behavior he also threatened me and said this was non cancellable. There was no such declaration made to me, specially since the event was over 30 days in the future .I informed AMEX immediately and they put a hold and reversed the charge. Yesterday AMEX informed me they had charged back the amount. I have not attended the event because AMEX told me this would be resolved. Now what should I do? XXXX XXXX has provided an unsigned agreement saying that the event is non cancellable but I have never seen this agreement nor signed it.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Delaware XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Dispute XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, GA XXXX Re : XXXX XXXX SSN : XXXX , DOB : XX/XX/XXXX Dear XXXX and XXXX : This is another attempt to have my Profile and Credit Report information updated to reflect my legal name XXXX XXXX and to purge my account of inaccurate information because of fraud. 

XXXX XXXX has made numerous attempts to have this matter corrected, e.g., telephone calls, letters, filling out applications online, etc. all to no avail. 

Succinctly stated, my legal name is XXXX XXXX. The State of Delaware has established procedures for all Delaware residents to legally change their name and to notify all potential Creditors of the pending name change, and conversely clear the record of illegitimate Creditors claims. 

On XX/XX/XXXX, State of Delaware Court of Court of Common Pleas Judge XXXX XXXX XXXX changed my name from XXXX XXXX XXXX to XXXX XXXX, after I complied with all the legal procedures. See copy of the Court of Common Pleas Order, along with a copy of my drivers license and social security card attached for your convenience. 

The Delaware Statutes requires the publication of legal notice of name changes to inform all potential Creditors of the pending name change and to facilitate the transition of every legitimate Creditors Claim and conversely clear the record of illegitimate Creditors claims. No legitimate Creditors claim was lodged against XXXX XXXX during or after XX/XX/XXXX, in accordance with the Delaware Statutes. There is no legitimate legal Creditor Claim on the account of XXXX XXXX since XX/XX/XXXX. 

Yesterday, an Experian Dispute representative stated that Our system does not recognize a single character, such as XXXX  as a last name, therefore, we must continue to use the name XXXX as your last name and XXXX  as your last name. 

I informed the Experian Dispute representative that neither XXXX nor XXXX is my legal name and we can not interpolate the Delaware Statutes to allow us to assign debt ( s ) to a consumers account. Additionally, XXXX and XXXX have already updated my legal name of XXXX XXXX in their systems, unfortunately, they have assigned debt ( s ) to the account of XXXX XXXX. 

This dispute over my legal name with the Three Credit Bureaus has begun causing me hardships by interfering with my ability to extend credit limits or to obtain a credit line from my banking institution. 

By copy of this letter to Federal Trade Commission Chair XXXX XXXX XXXX an investigation is being requested into the Credit Bureau Accounts of XXXX XXXX at Experian, XXXX, and XXXX for possible fraudulent activities in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Delaware Statutes. 
Submitted by : XXXX XXXX XXXX/ Cc : XXXX XXXX XXXX , Chair, Federal Trade Commission Experian ( Member ID XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the results of my recent credit report dispute and to request a more thorough investigation into the method of verification used to resolve the dispute. The information provided on my credit report appears to be inaccurate, and I believe the verification process did not adequately address the discrepancies. 
Details of the Dispute Disputed Item ( s ) : XXXX XXXX  Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
XXXX  XXXX Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
The results of my dispute indicated that the information I disputed was verified as accurate ; however, I have reason to believe that the verification process was not sufficiently comprehensive. Based on my review of the dispute outcome, I believe that the following was not properly considered or verified : Failure to review my identity theft report from the Federal Trade Commission regarding these disputed items. 
I am requesting that you delete the incorrect information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if an item can not be adequately verified, it must be removed from my credit file. The information in question has not been properly verified, and therefore, I believe it must be deleted. 
Please provide me with the following : A detailed explanation of the method of verification that was used to resolve my dispute. 
Copies of any and all documents used to verify the disputed information. 
Confirmation that the inaccurate information will be removed from my credit report, as required under the FCRA, or provide evidence that the information was fully verified. 
I expect that you will investigate this matter thoroughly and take the appropriate action to correct my credit report. Please send me written confirmation of your findings and the actions taken.
Product: Credit card

I requested a revised letter from CapitalOne Venture card to reflect that pursuant to a dispute I filed, I needed the letter to reflect that I submitted the requested documentation regarding a merchant complaint against XXXXXXXX XXXX by XXXX XXXX XXXX. **I am not disputing the outcome. I am asking that the close-out letter correctly state that per CapitalOne 's instructions, I uploaded the necessary documentation. Additionally, the merchant ultimately refunded money to my card, which also needs to be reflected in the revised letter. As it stands now, the letter on file gives the appearance that I failed to follow up on the complaint, which is inaccurate.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo ) 281 SW715.719 presumed that mo proof of the alleged debt. Nor therfore any such debt in fact therefore exists. ( Please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a 0.00 % Promotion balance transfer balance of around {$3000.00} that was not set to expire until XX/XX/2019. I used the same card to make 2 large purchases, and ended up returning those purchases. The credits for those returns went toward the promotional balance instead of the purchases balance. This seems highly unethical and fraudulent to solicit, promote, and advertise promotional balance transfers of 0.00 % just to in turn pay off the promotion balance using credits that were the result of a purchase.
Product: Credit reporting or other personal consumer reports

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, has violated my rights I looked at my Equifax credit report on XX/XX/2024 and noticed some things 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.
Product: Credit card or prepaid card

I have the Platium American Express card. On XX/XX/XXXX I contacted the company via chat to discuss closing the card as I did not feel it was worth its high annual fee. During that conversation I was offered to keep my card open in exchange for XXXX points if I spend {$4000.00} in three months from the office. From there I left the card open and continued to spend on that particular card to get to the {$4000.00}. I contacted Amex last week to touch base as I had not received the points but felt I met the threshold of XXXX XXXX spend, only to be advised that it was never applied to my account. I explained what happened and the reps are able to see the offer in their chat history. I have a screen shot of the offer for my records and offered to send that over as well. I was told because I did not say some magic word that they did not apply the retention offer to my account and that no current offer was available. I asked if they could use the offer from XX/XX/XXXX since obviously there was some sort of disconnect / error. I was told a case would be submitted to see if they were willing to fix it. Today I touched base and was advised that there is nothing they can do. I feel like this is a bait and switch possibly falling under UDAAP. I advised Amex of this to no avail. I was offered a retention bonus, stayed with Amex and continued to use my card based off of that offer. Now I am being told it was never applied to my account. This is not good business. I would like my offer applied to my account per our conversation on XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Friday, XX/XX/XXXX Home Depot credit card opened without my authorization No charges had been made Contacted Home Depot fraud department to close account Froze accounts through all Credit bureaus and disputed Hard Inquiries made through XXXX Credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) is still reporting a collection to my TransUnion report that is over 7 years old. They are also re-aging the debt to make it look newer than it actually is. I called XXXX XXXX XXXX on XXXX and spoke with XXXX ref # XXXX. I asked for validation of the debt and was informed the original collection was from XX/XX/XXXX, and will fall off at 7 yrs = XX/XX/XXXX when reaches 7 yrs old.

It's now 7 yrs old and it's still reporting. Property Addr was : XXXX XXXX XXXX XXXX. 

I demand this collection be removed from my TransUnion report as it older than 7 years and should have been removed by now,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

have not received following 5 withdrawals : I Have not received those wires from COINBASE XXXX XXXX XXXX {$2900.00} reference # XXXX XXXX XXXX {$9900.00} reference # XXXX XXXX XXXX {$9900.00} ref # XXXX XXXX XXXX XXXX {$9900.00} ref # XXXX XXXX XXXX XXXX {$48000.00} ref # XXXX Please update me as soon as you are able to. 

Thank You.
Product: Debt collection

Received a copy of my credit report and there is an account with Southwest Credit Systems for a XXXX bill that I haven't had that service in over 7 years and this company is reporting it as though I just had an account therefore Re-ageing an old and I do mean OLD account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Trans Union credit reporting agencies are all reporting incorrect information on my credit report that is preventing me from obtaining credit. They all show that I filed bankruptcy. This information is inaccurate, I have written them letters and asked for proof of validation for this information which they have failed to provide. I have also asked each credit reporting bureau to remove this from my credit report as well. I ask that the CFPB please step in to have this information removed from my credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Letter Under 15 U.S. Code 1681o ( Civil Liability for Negligence ) Against Equifax, Experian, and TransUnion To Whom It May Concern, I am writing to formally dispute the negligence of the three major credit reporting agenciesEquifax, Experian, and TransUnionfor their failure to maintain accurate information on my credit report and to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which holds them civilly liable for negligence. 

Despite my repeated efforts to correct inaccurate information on my credit report, the credit bureaus have failed to take appropriate action to rectify these errors. The following issues constitute their negligent handling of my credit information : Failure to Ensure Maximum Possible Accuracy : The bureaus have continued to report incorrect information, causing significant damage to my credit profile and financial well-being. 

Failure to Conduct a Proper Investigation : Despite my prior disputes and the submission of supporting documentation, they have failed to conduct a thorough investigation or correct the inaccuracies.

Failure to Respond in a Timely Manner : My requests for corrections have either been ignored or inadequately addressed within the legally required timeframe.

Resulting Financial and Emotional Harm : Due to their negligence, I have suffered financial loss, increased interest rates, denied credit opportunities, and emotional distress.

Pursuant to 15 U.S. Code 1681o, I am requesting the following remedies : Immediate correction of the inaccurate information on my credit report. 

A thorough reinvestigation of all disputed items, ensuring compliance with FCRA guidelines. 

Compensation for the financial and emotional distress caused by their negligence. 

Please consider this letter as a formal complaint and demand for resolution. If the CFPB does not take appropriate action, I am prepared to escalate this matter through legal channels.
Product: Debt collection

Experian continues to be elusive and evasive concerning a fraudulent credit card. I complained previously and they didn't respond. This account was previously deleted and now its back on my report. According to 15 USC 1681 ( a ) ( 4 ) a consumer has a right to privacy. This or no account should be furnished without my consent. 15 USC 1681 ( b ) ( 2 ) This is a violation of section 605 I did not authorize, consent to, nor benefit from this account. Please block and remove it.
Product: Credit reporting or other personal consumer reports

There are XXXX unauthorized inquiries from this company on my credit report for something I NEVER RECEIVED! 

REMOVE THESE INQUIRIES FROM MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the names and dates listed below under my hard inquiries are recognized by myself nor were they authorized by myself and I have tried to have them removed by contacting the companies as well as by disputing them however they are still showing. 

TRUIST BANK Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and upon that realized i had damages specifically the ones listed below from each credit company, these are damages on my report and according to the 15 u.s.c 1618, I should not have any unauthorized damages on my report, below states each one that is on my credit report. 


Equifax : 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 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 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 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 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 reporting or other personal consumer reports

Several companies inquired my information and I didnt approve them to run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked at the inquires for XXXX and noticed some discrepancies. Starting with one named T2 Financial inquiring about finance other than personal on XX/XX/2022. 
Also have a couple miscellaneous inquires from XXXX XXXX on XX/XX/2022 that i have no clue what for. And another from XXXXXXXX XXXX that falsely ran my credit. I have also called them and they state there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a customer Reporting agency cannfurnish a account without my written instructions.
Product: Consumer Loan

NEVER RECEIVED MY CHECK REFERENCE ID XXXX CHECK NO. XXXX AMOUNT {$550.00} FROM : ALLY AUTO FINANCE SETTLEMENT