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

I had XXXX unauthorized charges on my Venmo card and I made a claim because they werent made by or authorized by me. I made the dispute on the claim on the XXXX and on the XXXX they denied it after they allegedly investigated the dispute. I as well did some investigating and discovered through a phone call to a XXXX customer care representative that the charge was made using my card info but to an account not belonging to me and I would never nor do I have any reason to purchase anything from XXXX especially business ads when I dont own a business. I dont believe Venmo even looked into this matter because if they did they wouldnt have denied the dispute. This is ridiculous and Im tired of these giant companies taking advantage of the average person and thinking that were not going to do anything about it because they are so big and control soo much that what could we do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a very bad situation XXXX, XXXX  are stating that my primary, only address is my only address, that XXXX XXXX has/had the ability to add an unknown address to my personal identity, information, that is the only address that goverment, burueas are using to identity. Time and Time again I tried reporting to government this identity theft, how can a company have that muh control, hierachy, walk past right me, directly over me, tell government officials that this is where I live, that's my primary address, In XXXX XXXX thats the last place I had my credit card. XXXX XXXX XXXX XXXX XXXX XXXX was a hello, goodbye, I reorted to XXXX XXXX close the account close the account in XX/XX/XXXX something is not right, I don't have the XXXX XXXX credit card. How can someone say I am in California going on almost 2 years. When I am really in Maine or what If I am Florida but no matter what somehow this unknown is locked, above all my current living it doesn't matter where I am in 5 years. All credit bureaus say that XXXX XXXX is the one reporting this address, only the can remove. Imagine how can, has anyone heard of that you cant call authorities, or remove an unknown address because government officials thinks that since the 2nd week after of XXXX of XXXX remember just one 1wk a few days I somehow I am at or living somehow magically at this unknown address, can not remove this address from credit report its Capital one they stated has the right over my identity and credit report which is ruining my identity because authorities will not speak to me unless I speak to or mention the XXXX XXXX, So XXXX  XXXX as mentioned including from XXXX going into XXXX, calling including all 3 credit reports speaking to authorites XX/XX/XXXX XXXX, XXXX  say the only authority, I can not dispute online not even when I call authorities and state this address is not part of my identity. So as Far as XX/XX/XXXX XXXX  XXXX government officials ( When did I give XXXX XXXX permission to keep account open, why don't I have control over my own identity about where I live. Why can't my real current living addresses or any address I choose be primary. I am told XXXX XXXX has over me, they are in control they can easily say I am In a Virginia or TX or this XXXX XXXX address put this or place as my identity in all credit reports. When I'm living really Living in New York as an example. This is really messing up my identity, they refuse to remove this unknown XXXX XXXX as primary, I go thru all the verify identity all the time including XX/XX/XXXX, they refuse to remove this unknown residence. No utiliites, no rent nothing just an unknown address in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft, and on my XXXX, XXXX, and XXXX i have a Personal Statement Alert : FRAUDULENT APPLICATIONS, and specifically says First Verify the identity of the applicant. It can be reached at XXXX The Company ALLY FINANCIAL Unauthorize an Inquiry on my credit report without my permission. 



The Company ALLY FINANCIAL Ran my credit 2 times. 

This Company plays Dirty and unprofessional, they don't care to mess up others Credit, and all they want is to make money $ $ at any cost... .. watch, why I'm saying that,.! 

On XX/XX/year> they ran my credit With address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX AND PHONE # XXXX AND ON THE 2ND HARD INQUIRY ON THE SAME DATES, XX/XX/year>, BUT WITH DIFERNT ADDRESS, NOW ON XXXX XXXX XXXX XXXX, MI XXXX SO, I'M NOT THAT STUPID TO RUN MY CREDIT 2 TIMES ON THE SAME DATE. 

1. I Been fixing my credit for 2 or 3 years and I'm involved on credit, reports, hard inquiry, soft inquiry ect,.. I know that my credit is bad and if I get denied the first time is because my credit is terrible and plus my yearly salary is not great.
Product: Debt collection

For the past few months I've been writing and requesting verification of this account, and The Bureaus has sent me nothing. It has been extremely difficult to dispute with a company named The Bureaus,  because I also had to dispute with the 3 credit bureaus for this account! Despite my many requests for information, I still have received nothing! HELP ME!
Product: Credit card or prepaid card

I had a card from first genesis ( 12 genesis fs card services ). This card was stolen in 2021 I asked for a replacement card one two occasions and no new card was sent.Be cause this card had no balance and I never received a card I then acalled them and asked them to close the account.now they are putting that I owe XXXX dollars that I never spent or had awareness of.
Product: Mortgage

I want New Day USA to stop sending junk mail to my home. I have complated the online Opt Out and they still send me just mail for XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft and most companies have happily removed their listings from my credit report. The following companies just keep verfying accounts as mine and reporting them to the three bureaus as well as XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX and the Collections agency that purchased the fraudulent XXXX XXXX XXXX account. i have also been unsuccessful in getting the CRAs to block these records from my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that XXXX has been reporting on my credit file. Despite my repeated attempts to have this matter resolved, the inaccuracies remain, and XXXX has failed to properly investigate or correct these issues as required by law. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, XXXX is obligated to conduct a reasonable investigation of any disputed information. The law also mandates that if the information can not be verified, it must be promptly corrected or deleted from the credit report. XXXX failure to conduct a thorough investigation and resolve these inaccuracies constitutes a violation of this federal law. 

Timeline of Events : On XX/XX/XXXX, I submitted a formal dispute to XXXX, providing clear evidence and requesting a proper investigation. 
On XX/XX/XXXX, I received a response from XXXX stating that the disputed items were marked as accurate and verified without any clear explanation or evidence supporting their accuracy. 
I followed up on XX/XX/XXXX, reiterating my concerns and requesting additional verification, but I did not receive a satisfactory response. 
Most recently, on XX/XX/XXXX, I sent another letter to XXXX, demanding a resolution, but the inaccurate information is still being reported. 

The information in question includes [ list specific inaccuracies, such as accounts, balances, or other disputed details ], which I have confirmed are not valid or were never opened by me. 

Applicable Consumer Protections : 1. FCRA Section 611 ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputes and ensure that the information reported is accurate and verifiable. 
2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Information furnishers are required to provide accurate information and investigate disputes thoroughly when notified by the credit bureaus. 
3. FCRA Section 605 ( 15 U.S.C. 1681c ) : Inaccurate or unverifiable information must not remain on a consumers credit file. 

XXXX ongoing reporting of this inaccurate information is causing me significant harm, including [ list impacts, such as difficulty obtaining credit, higher interest rates, or emotional distress ]. 

Requested Resolution : I demand that XXXX : 1. Immediately delete all inaccurate and unverifiable information from my credit report. 
2. Provide written confirmation of these deletions within 30 days. 
3. Comply with all applicable federal laws moving forward. 

If XXXX fails to resolve this issue promptly, I am prepared to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies under the FCRA. 

I expect a full resolution of this matter and written confirmation no later than XX/XX/XXXX.
Product: Vehicle loan or lease

After being harassed with phone calls from West lake financial services regarding the remaining balance from the volunteer repo ( the car was sold to someone else ), I received a phone call from west lake financial to pay a settlement amount of {$1000.00} and it would clear my debt on my credit report. West lake told me they would send me the {$1000.00} settlement letter in the mail and I never did receive the letter so I can pay the settlement amount of {$1000.00}. On XX/XX/13 a judgement was filed against me and wanting me to now pay {$8700.00} which is not the amount West lake agreed to settle this debt for off my credit.
Product: Debt collection

This company report a {$510.00} balance.This companys are reporting that I owe them those balances. I need the audit trial of the balance. Also I need them to provide me with the agreement that grants them to collect this allege debt. Also provide with the master bill of sale
Product: Debt collection

XXXX XXXX Colorado XXXX, CO XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Subject : Cease-and-Desist Notice for Account # XXXX Dear ConServe I am writing to formally bring to your attention a matter of great concern regarding my account, as depicted in the attached picture/documentation. It has come to my attention that certain activities, unauthorized by me, have been taking place within the mentioned account. 

I hereby demand an immediate and thorough investigation into this matter as it raises serious legal and ethical issues. As per my rights and responsibilities as an account holder with XXXX XXXX XXXX XXXX, I expect prompt and appropriate action to rectify this situation. 

Activities that I have not authorized or been a part of include : XXXX. [ Describe unauthorized activity in detail ] Photo/Documentation attachment : [ Add any supporting evidence, such as screenshots or pictures, if available ] Allow me to emphasize that this account is under my sole ownership, and I am the only individual authorized to conduct transactions on it. Therefore, any transactions carried out without my explicit consent are considered illegitimate and must be reversed or nullified at the earliest. 

I kindly request that you immediately cease and desist all related operations on my account until a full investigation is conducted and a resolution is reached. In addition, I wish to be informed of the steps being taken to rectify this matter and secure my account from further unauthorized activities. 

Please ensure that all communication regarding this issue is conducted in writing and directed to the address provided above. Furthermore, I request that all necessary documentation pertaining to this case be provided to me in a timely manner. 

I trust that XXXX XXXX XXXX XXXX, an institution known for its commitment to customer service, will promptly investigate this matter and take all appropriate actions to resolve this situation. Failure to do so XXXX result in further legal remedies being pursued, should it become necessary. 

I look forward to your immediate attention to this matter and appreciate your cooperation in resolving this dispute promptly. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently the CFPB fined XXXX XXXX Million Dollars for failure to conduct proper investigations of consumer disputes. The CFPB found XXXX ignored consumer documents and evidence submitted with disputes. 

There is a bankruptcy appearing in my Credit report. I disputed this item with Experian and the Data Furnisher XXXX XXXX. The Data Furnisher, XXXX XXXX agreed, removed the item and provided me with written proof. ( see attached ). To spite written proof from the Data Furnisher, Experian did not remove the item. I submitted a request for a reinvestigation. I requested evidence ( physically verifiable ) that they verified the information to be accurate and compliant. Experian verified the information via a third party other than the Original data furnisher and ignored the 100 % verifiable proof from the Data Furnisher that the item was inaccurate and should be removed. This is the exact conduct that led the CFPB to fine XXXX XXXX XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION continues to violate my rights as a federally protected consumer. I sent TRANSUNION MULTIPLE FTC Identity Theft report ( the most recent is attached ) and letters and filed MANY CFPB complaints in regards to a fraudulent ( and delinquent ) XXXX XXXX  account that continues to report on my credit report. They continue to remove and reinsert it back on my report. The reporting of this account is an ERROR and has been extremely detrimental to my health. The account is NOT reporting 100 % accurate with any credit reporting agencies reporting the account ( see Exhibit A ). I disputed the account right away and XXXX permanently removed the account from my report. How can TRANSUNION verify that the account as " accurate '' when XXXX removed it ( Exhibit B and A show proof ) AND the information between XXXX and TRANSUNION doesn't even match ( ex. the open dates are different ). I have been in this dispute process with TRANSUNION for many many months and my health is taking a toll. If this does not get handled right away, I will be taking legal action.
Product: Credit card or prepaid card

Subject : Complaint Regarding American Express 's Failure to Refund Annual Fee. Business account referencing XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint against American Express regarding their failure to refund the annual fee for my credit card account. Despite multiple attempts and assurances from their customer service representatives, I have not received the promised refund even after the specified time frames have passed, which has exceeded 90 days. The balance owed is {$700.00}. 

On XX/XX/XXXX, I received communication from American Express stating that the annual fee on my credit card account would be automatically refunded. However, after the fee was not refunded as indicated, I reached out to their customer service department. In subsequent conversations, I was informed that the refund process might take up to 90 days to be completed. I patiently waited for this period to elapse before contacting them again. 

On XX/XX/XXXX, after the 90-day waiting period had concluded, I contacted American Express XXXX XXXX about the status of my refund. To my surprise, I was informed that there was no balance on my account that necessitated a refund. This was puzzling as I had clearly been charged the annual fee, and I had received prior communication confirming the refund process. My online account also shows I have a negative balance. 

In an effort to resolve this matter, I contacted American Express 's customer service once more on XXXX. During this conversation, I was informed that the refund would be transferred to another account of mine within 1-2 business days. However, as of the current date, XX/XX/10, the refund has not been credited to my account as promised. 

This ongoing lack of resolution is causing significant frustration and inconvenience. I rely on accurate financial transactions for managing my budget and making informed decisions. The inconsistent and contradictory information provided by American Express 's representatives has eroded my confidence in their commitment to customer satisfaction. It is my belief they are negligently withholding my funds. 

I kindly request your assistance in resolving this matter promptly. I believe that as a consumer, I deserve transparency, accurate information, and timely resolution from financial institutions. I would appreciate your intervention in ensuring that American Express honors their commitment and processes the refund as promised. 

Thank you for your attention to this complaint. I trust that you will investigate this situation thoroughly and help facilitate a resolution. I eagerly await your response and a satisfactory resolution to this issue.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. 
Washington XXXX DC XXXX Dear sir, XXXX, I tried to finish reporting as much as possible as usual. A few days ago, I found out there was a filing of CFPB by another email address, XXXX. I was wondered then why there was a filing notice from CFPB to XXXX email address. Usually, my filing to CFPB was done by XXXX account ( XXXX ) due to the result of issue occurred by my business website, XXXX, which was disappeared last year most likely by hacking. Since the issue was not solved when the filing to CFPB was started, I did not want to use the yahoo account at all. I received XXXX emails from CFPB ( XXXX ) which indicated the complaint ID XXXX. Since I worked on finishing to check all reviews and documents, I tried to check this complaint ID of checking and saving filed on XX/XX/year>. I could not find this complaint ID in my CFPB account. Therefore, I request your organization to investigate this matter. Also, I received from CFPB the notice, we have received [ my ] correspondence on XX/XX/year>. I just can say since I can not find out this complaint ID, this one must be the result of impersonate, phishing, and scam. I also request your organization why this suspicious third individual/party could use my email address. Since I have issue with Turbify which relates with XXXX XXXX XXXX, this matter might relate with XXXX and XXXX. Honestly, I am tired these matters which might be the result of identity theft and data breach. I request further investigation and show me what the United States governmental bodies perform their responsibilities of the identity theft, not only just terminating the court file. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, I have a mortgage loan in progress and the inaccuracies on my credit report are affecting my ability to move forward. There are two accounts on my report that have been charged off, XXXX  XXXX XXXX and XXXX Bank. The XXXX XXXXXXXX XXXX account was charged off in XX/XX/XXXX which is the last status date that XXXX  XXXX XXXX reported to Experian. Experian has repeated the charge off status each month since XX/XX/XXXX as a new reporting. Also, there are no charge off reportings for XX/XX/XXXX through XX/XX/XXXX. So, they stopped then started this action. What they are doing is incorrect and has stalled my report so that the score does not increase. Once the charge off is reported by the creditor it should not repeat every month as if it were a new status. This will constantly keep the score from increasing! This same action has occurred with the XXXX Bank account. It shows charged off in XX/XX/XXXX and every month after that it appears as a new charge off status. XXXX has not reported this account since XX/XX/XXXX. Experian does not have to keep updating the status if the creditor does not report it. I am attaching a copy of the accounts on my report so that you can see the issue. 

I would like to have these charge offs removed on my credit report so that the score can increase to what it should be. This needs to occur immediately!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not my account collection should not be allowed to do this
Product: Checking or savings account

Was denied a medallian stamp to unlock treasury acvount on or around XX/XX/2019. It was said that the amount in the account was needed in order to use seal. I came back the next day to rebut and was denied twice by XXXX XXXX of Hancock bank on the XXXX XXXX XXXX XXXX. On my second visit i was told she sent her medallion stamp back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX. I identified a discrepancy with account listed under Convergent Outsourcing and validation was request as this was an account that I did not recognize.I recieve a billing that look like someone just created it. They didnt provide me with the accurate paperwork. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received the correct correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out. After reviewing credit report again there has not been any updates and this account is still reflecting on the report. This creditor is keep re aging this account so the statute of limitations can start over which is a violation of my rights. Please delete this account from my credit report for being false reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00}