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

This all started XX/XX/2018. I was scammed by a company that was supposed to create a website for me and a business model for selling products online through what they called a drop shipper. Unfortunately, this service was never rendered even after months and months. I tried to get out of the contract within the stated time but I was coerced to remain. After months of not receiving any help or information to continue the website I decided to gather all my evidence and fight the split transaction of {$5500.00} with my credit card companies. I mailed a copy of the evidence I gathered ( over 50 pages ) of emails and messages and dates and screenshots of the " website '' to both my credit card companies. Thankfully one of my credit card companies did the right thing and fought the transaction with me, obtaining a part of my {$5500.00} initial payment and {$49.00} hosting fee I was being charged for several months on a website that was never live and never ready. I received {$2500.00} from one of my credit card companies. However, after all evidence submitted, my other credit card company ( Citibank-mastercard ) was unwilling to get the money back and continued to deny my request after more than 3 attempts at contacting them. I have struggled financially ever since this incident and have to repay Citibank and other credit cards for the financial losses this incident has caused. I would like to be able to recoup what was stolen from me by the company called XXXX who operate out of Washington State. They have a proven track record of scamming others and have even changed their name of business to continue to scam others. I am reaching out to you know as I can not even access my credit card with Citibank as they have denied me almost {$3000.00} in this case and I just can not pay their minimum. However if they would have just taken the evidence that I supplied them, they would have helped me to be able to pay them back in a timely manner without insane interest rates. I would like to get back on track and this is still weighing heavy with me. XXXX have scammed so many people and it is not fair that companies such as these are getting away with making so much money off of people. I don't know what else to do. I read online that Citibank didn't help other customers. I have no way to contact them as I am currently out of the country and really need some assistance to be done in writing. I hope you are able to help me. I appreciate you taking the time to read this. And I hope to provide greater detail through a resolution with you.
Product: Credit card or prepaid card

{$95.00} annual fee was charged to my Bank of America Premium Rewards Credit Card ending with XXXX on XX/XX/XXXX. I closed it on XX/XX/XXXX by phone. The customer service rep who helped me close it, promised me that the {$95.00} annual fee will be fully refunded. But after a few days, I have not seen the refund posted to my account. So I contacted Bank of America again by phone on XX/XX/XXXX. I spoke with a customer service rep and his supervisor. Both of them refused to refund me the annual fee. 

I have been banking with Bank of America since XXXX and I know their policy very well. This is my 4th credit cards with them and the annual fee of all my previous cards were fully refunded or waived after I closed them within 30 days or 1 statement period, which is also the policy of a few big credit card companies or banks, such as XXXX XXXX, XXXX, XXXX, etc.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a sofa, loveseat and recliner from Ashley Home Store. Due to our height and age, we meticulously searched for the most comfortable set and finally decided on on group. Since Ashley only has display furniture, our furniture had to be ordered and wasn't delivered until XX/XX/XXXX. On XX/XX/XXXX, my husband visited the store and talked with the sales representative, explaining how hard and uncomfortable the furniture was to sit on, and actually invited the sales representative to visit our home to see for himself. Of course, he declined and said we would need to contact Customer Care which I did on XX/XX/XXXX, through a chat session and was given Ticket # XXXX was issued. On XX/XX/XXXX, after hearing no response, I again contacted Customer Care and was advised to take pictures and email them as they wanted to be certain there was no damage to the furniture. The furniture still has the tags on as no one wants to sit on the furniture. In fact, we have turned the furniture around so the seats are facing the walls and thus no one will sit on them. The furniture is still in the original condition with the tags, but it is not the same quality and comfort as the display in the store. On XX/XX/XXXX, the pictures were emailed to XXXX as requested. On XX/XX/XXXX, after hearing nothing further, I again contacted Customer Care and spoke with XXXX who said the seat cushions were to be replaced, but I asked about the back of the cushions also as they are just as bad. He said he would need to check further and get back to me. On XX/XX/XXXX, after hearing nothing, I again attempted to call XXXX, but was advised he was on the line with another customer and would call me after the current call. No reponse, so I attempted to contact XXXX again. After multiple attempts, Ashley Furniture continued to ignore and honor our Sales Contract. I then contacted Synchrony regarding the Breach of Contract, and they opened a dispute. Later, I was advised by Synchrony that Ashley Furniture said I had never filed a complaint, so a second dispute was initiated. Then I was told there was no longer a warranty on the furniture, yet I had purchased an extended warranty. A third dispute was filed and subsequently denied. 

After numerous letters to multiple officials, Ashley Furniture finally agreed to pickup the furniture and promised a full refund. Hopefully, they will now honor their comments and a full refund will be issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. Both together and separately my consumer rights and privacy rights have been violated by XXXX, XXXX, XXXX and Experian. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I have the right to privacy. I am also aware that I have the right to privacy of non- public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I am exercising that right demanding the each CRA remove the information listed in attachment as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNTS XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

13. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I was shocked and confused this morning when I saw inaccurate accounts suddenly appearing on my credit report. I check it regularly, so seeing these discrepancies out of nowhere really threw me off. I even refreshed my browser hoping it was a mistake, but the accounts stayed on the report. Because of this, I am requesting a thorough review of my documents to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a valid response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach may have got into the hands of the wrong person. I am begging for help at this point. 

I demand these accounts be deleted immediately or I will pursue litigation. 

On XXXX XXXX XXXX  XXXX  XXXX XXXX add a derogatory mark on my credit report per XXXX, XXXX  and XXXX  upon further research, this account was transferred/sold and I am no longer responsible for the accont. Debtor creditor did not verify this collection, also there was no written form of communication, contract, or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and says its mines. According the the FCRA, XXXX  XXXX  XXXX XXXX has violated my rights as a consumer and I ; m requesting legal action to remove this account immediatelyly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Validation of debt letter in XX/XX/2020 and hadn't received a reply from bureau. Multiple inaccuracies on credit report that need to be fixed. Utility Bill and ID also sent out with Validation of debt letter.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Repossession XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge Off XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1000.00} Charge Off XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1100.00} Charge Off XXXX ( Original XXXX XXXX BANK ) Account XXXX XXXX Date Opened XX/XX/XXXX Balance : {$620.00} Collection XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX BANXXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance : {$340.00} Collection XXXX XXXX XXXXS ( Original Creditor : XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$650.00} Collection XXXX ( Original Creditor : XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$170.00} Collection XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$11000.00} Collection XXXX XXXXXXXX ( OriginalCreditor : XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$250.00} Collection XXXX  ( Original CreditorXXXX XXXX XXXX  ) Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$620.00} Collection
Product: Debt collection

I have been trying to dispute an account on my credit report for over a year. The name of the collection agency is Diversified Consultants XXXX XXXX XXXX XXXX FL XXXX. The debtor is XXXX, the amount showing is {$1000.00}. I have sent several letters the last letter dated XX/XX/2018 stating that they needed to send me proof of my signature that this debt is valid. They sent me a copy of a statement showing this amount. This is not proof.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, Please be advised this is my XXXX  WRITTEN REQUEST : The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC 1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Accounts : Regional Fin # XXXX, XXXX XXXX, # XXXX, XXXX XXXX # XXXX In addition, Delete all non-account holding inquiries over XXXX  days old. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required XXXX Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX XXXX enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$6200.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX  accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

I have contacted cashapp about my account and nothing was done about the fraudulent and scam transaction. Instead theyve decided to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these unknown fraudulent inquiries that's on my credit file and I'm demanding that these unauthorized inquiries be removed. 

1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX/XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX ) 6. XXXX XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting the following : " Account charged off. {$4700.00} written off. {$3900.00} past due as of XX/XX/2019. '' It is not possible that only {$3300.00} is past due after 7 years the entire amount is past due. 

The law requires that information be ACCURATE or removed.
Product: Bank account or service

i purchased a money order completely filled out and singned by me, it most have fell out of my purse and someone found it got it cashed at Fifth Third Bank the money order was made out to XXXX XXXX for my rent payment. They never received it so i called the XXXX number XXXX XXXX and it had been cashed at a Fifth Thidr Bank in XXXX Mo. and i purchased another money order for a finder fee of XXXX and it shoed that someone had crossed through the pay to the order of and wrote over it with the name of XXXX XXXX and also crossed over my name, the purchasher and wrote XXXX XXXX on that also. My copy i receiced back was cashed on XX/XX/2017. this money order had been forged and cashed and Not by Me.
Product: Credit reporting or other personal consumer reports

someone else opened a auto loan in my name i never bought a vehicle i'm now seeing this on my credit report and there are alot of late payments too this auto loan does not belong to me the account number is XXXX with XXXX XXXX XXXX
Product: Bank account or service

I asked Wells Fargo to cancel a savings accounts that I did n't need. They were created after they automatically changed a savings account to a checking account. They converted my unwanted checking account back to a savings account. However, they also created another savings account at the same time. So I now have XXXX savings accounts that I do not want. XXXX is a business savings account. I went into a bank branch and asked them to remove the accounts and they said they did. I still have all of the accounts several months later.
Product: Vehicle loan or lease

I went to buy XXXX XXXX from XXXX XXXX XXXX XXXX, NC in XX/XX/2023. After my XXXX XXXX checking I was informed over phone that they will honor the promotional 5.49 % XXXX for the car. The salesman again assured me the XXXX will be 5.49 % when I went to the dealership. When I was there to sign my paper works, the finance person rushed me to sign paperwork that had about a XXXX increased price than which was shown at the beginning by the salesman. After I caught his lie he got angry and misbehaved with me and my friend. I did not leave as they already did credit inquiry and I paid non refundable down payment. Then he offered me a service and again lied about the charge. When my friend said total price do not add up. He told my friend to stop talking. He tried to bully me to buy random insurance packages. At the end I declined to purchase the package. He gave me paperwork and the monthly payment was about XXXX $ higher than expected. I just wanted to leave the dealership, so I signed. After several months I wanted to check why its higher, I realized he increased the XXXX to 5.53 %. I felt cheated and being scammed by the dealership. I left with very bitter experience and felt helpless as I do not have any proof to show their lie and misbehaves. No one saw this incident as they do these paperworks in closed door.
Product: Credit reporting or other personal consumer reports

These accounts are reporting fraudulently. This account is not mine.