23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I used my Mercury credit card to pay {$100.00} to a company called XXXX XXXX XXXX XXXXXXXX to assist with fighting a using a cellphone while driving ticket. Unfortunately, I was unsuccessful in contesting the ticket. Per XXXX XXXX XXXXXXXX XXXX  money-back guarantee, I was entitled to a {$49.00} refund from the {$100.00} payment. 

On XX/XX/year>, I contacted XXXXXXXX XXXX XXXXXXXX XXXX, provided proof that my ticket wasnt dismissed, and requested the refund. I was assured the refund would be processed. However, after not receiving it, I followed up again on XX/XX/year>. This time, they claimed the refund had already been processed but promised to process it again. 

I contacted Mercury to confirm whether a refund had been issued, and they confirmed no refund had been processed. As a result, I initiated a dispute with Mercury, providing an email thread from XXXXXXXX XXXX XXXX XXXX stating I would receive a refund. Mercury issued a provisional credit of {$100.00} but later reversed it after the merchant clarified that only $ XXXX under their money-back guaranteewas eligible for a refund. The remaining balance was for additional services I had purchased, bringing the total to {$100.00}. 

Despite multiple attempts to resolve this issue, XXXX XXXX XXXXXXXX XXXX has not issued the {$49.00} refund, and I have supplied Mercury with written proof of my entitlement. Mercury has yet to credit the {$49.00} back to my account, despite countless calls, requests to speak with supervisors, and alleged escalations. Furthermore, Mercury has charged me interest on the {$49.00} amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of the Fair Credit Reporting Act and they are damaging me daily. I have requested that Equifax ensure maximum possible accuracy of the information they compile in my consumer file and report about me in consumer reports. I have been disputing the same information that is not 100 % accurate since XX/XX/XXXX. When Equifax refused to delete the incorrect and incomplete information in my consumer file, I sent follow up dispute letters demanding deletion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Because Equifax refused to delete information that I provided proof of inaccuracy, I sent evidence from the California XXXX of XXXX showing that companies did not exist in my state. I also requested a 609 full disclosure on my entire consumer file in writing since it appears that Equifax has information that I am not privy to that refutes my disputes. Equifax can not possibly validate and verify any information they are refusing to delete being that the alleged creditors do not exist. I have no recourse against any of the listed creditors as they do not have registered agents for me to serve legal process in California. Is Equifax conspiring against me with entities that are elusive to me? It appears that Equifax has some vested interest in continuing to damage me. 

Equifax has refused to send me the 609 full disclosure of my entire consumer file in writing within 15 days. I sent it to Equifax 's registered agent in California, so they can not say that they did not receive it. 

I demand deletion of the information listed below.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate. 

XXXX XXXX XXXX
Product: Checking or savings account

Me and my girlfriend have a joint account her tax return was deposited and as soon as it was deposited the bank siezed XXXX from the account that was not my money it was hers from her tax return and the said it was to pay off my debt on accounts that had nothing to do with her. I called to talk to the bank today they said if I called to file a payment arrangement when it closed then this wouldnt happen but when I called when they closed my accounts originally they said I couldnt do payment arrangements I had to pay it in full so I didnt cause I didnt have it at the time. When I talked to them today they didnt care if it was my money her money or some stranger that I was listed on there account they would of taken the money regardless and thats not right for them to take her money or anyone elses just cause I have access to the account
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 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 XXXXXXXX XXXX XXXX BANKRUPTCY CHAPTER 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 a account without my written instructions.

15 U.S.C 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and I have strong suspicions of fraudulence. I urge you to conduct a comprehensive investigation and swiftly eliminate them from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX claim that I owe them {$140.00}. I have never owned them any money. Car insurance paid in advance. No money owed to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car from dealership with my own financing on XX/XX/19. Dealership cashed 2 different loans for the same car, resulting in my debt to income ratio been higher and showing multiple loans. Original purchase was {$25000.00} and dealership accepted twice the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, natural living breathing person. I am not being coerced by any third party or agency. I am aware that my federally protected rights are being violated. Please review the attachment to see my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this info since XX/XX/2022 My experian inquiries are XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX inquiries are XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is refusing to allow my ex husband to do an assumption to remove me from the mortgage on a house we used to own together. Per our divorce decree he is the only one that is financially responsible for the house and XXXX XXXX is not allowing him to to remove me. 

This is the same as my former 4 complaints however I just received the proof that he has been trying to do an assumption ( which what XXXX XXXX says he needs to do to remove me ) but they will not let him.
Product: Credit reporting or other personal consumer reports

I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violations 15 USC1692 Sharing of Personal Information ( 10 ) 15 USC 1666b ( a ) Timing of Late Payments ( 15 ) 15 USC 1681b2 Right To Privacy ( 12 ) My Consumer Credit report is not fair and equitable, I cited the inaccuracies 15 USC 1681 ( a ) and explained how my report is full of errors and they did not exercise their grave responsibility with fairness. 15 USC 1681b ( 2 ) My right to privacy is constantly being violated by XXXX by reporting inaccurate information, not properly investigation and not responding to correspondence that were sent concerning this matter at hand.did not properly Re-investigate accounts listed
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account for {$820.00} that has been reported on my credit report by your agency. I do not owe this debt, and I request that you investigate this matter and remove the erroneous information immediately. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am entitled to request debt validation. Please provide the following : Proof that I am responsible for this debt.

A detailed accounting of the debt, including the original creditor, the amount, and the date of alleged delinquency.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information furnished to credit reporting agencies must be accurate and verifiable. If you can not provide adequate evidence to substantiate this debt, it must be corrected or removed from my credit file.

Please be advised of the following : This company has also been harassing me with several emails. 
As per the FDCPA, you are prohibited from engaging in harassment, deception, or the collection of invalid debts. I will also be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this issue to ensure compliance with federal regulations. 

You have 30 days from the receipt of this letter to respond to my dispute and provide all requested validation documentation. Failure to respond or provide sufficient evidence will confirm that this debt is invalid and must be removed from my record. 

Please communicate with me in writing only.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I contacted Experian with regard to a paid off account. Instead of updating the account as paid in full. Experian delated the account & the positive history of the account
Product: Credit card or prepaid card

Dear Sirs, I have moved abroad, to XXXX, and the over-the-phone agent can not assist me on my my Macy 's Amex credit card account affairs, since the agent asks me for cell phone or mail contact, both of which are no longer available.

At this point, the agent has informed me that she can not process the following requests : 1 ) An investigation into a transaction of {$18.00} on XX/XX/XXXX, which I was contacted about via email ( I didn't do the transaction ), and that I rejected ( I clicked " I do not recognize one or more of the above. '' on the email link. See email attached ) Despite the information " Charge Status : Declined '' on the email, apparently the charge was still processed, or additional transactions were attempted that currently amount to a {$39.00} balance. 

2 ) Once the issue above is resolved, I would like to cancel the credit card immediately. 

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

Credit disputes, I requested to have an accountdisputed throughmy XXXX  credit monitoring systemin regards to a Chapter XXXX discharge regarding my account. When AAFES responded to the dispute they automatically re-reported the same chapter XXXX discharge closedwith a new report date of XX/XX/XXXX when my Chapter XXXX was discharged and closed on XX/XX/XXXX resulting in my credit score dropping from XXXX on XXXX, XXXX to XXXX on XX/XX/XXXX the day they falsely reported the account again to the bureau. I haven't opened any new accounts, haven't ran up any charges to my credit cards, haven't bought any high end items so my report should take such a huge hit like this. The only reason my credit rating dropped vastly was because your double reporting and my account reflecting that it was closed on the XXXX of XX/XX/XXXX instead of the original court mandated date of XX/XX/XXXX. After my chapter XXXX discharge AAFES were only supposed to report once to the credit bureau. I respectfullyrequest AAFES update my credit report to update this issue and add the XXXX points back to my FICO score. I'm currently in the process of purchasinga home and AAFES has completed halted the process due to their negligentactions in falsely reporting the credit bureaus. I'm a XXXX percent XXXX XXXX Veteran and this has caused great damage to my future planningsofsecuring a XXXX  friendly home. I have attached my credit report reflecting such change. Thank you in advance for your support. 

V/r, XXXX XXXX XXXX
Product: Checking or savings account

US Bank XXXX Colorado. Deposited check made out to me & my husband, both of us endorsed back of check. US bank the next day held check until we came in with both our IDs since it was a joint check being deposited into my sole account. We both went in with our IDs and copies were made. The branch manager was at lunch & we were told we would not have to return since copies of our IDs were made. The branch manager XXXX XXXX returned from lunch and proceeded to call me and yell at me for interrupting his 3 hour lunch & unless I personally came in showed him some respect and apologized before XXXX he would not deposit my check & make it hard for me to get my money this is a {$13000.00} check for my roof replacement which starts today & now I am at the whim of a manger who has a giant ego & thinks its his money not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Product: Mortgage

XX/XX/XXXX : Applied for Refinance of my mortgage. Amerisave loan officer ( XXXX XXXX NMLS ID # XXXX ) said that he copied my information from my existing mortgage ( a joint mortgage with my spouse ) that is with Amerisave to the new application. Was committed a loan credit of {$1600.00} towards the closing cost. 
XX/XX/XXXX : Received email commitment from loan officer on the rate protection. 
XX/XX/XXXX : Received a call from XXXX XXXX XXXX XXXX XXXX a loan processor to review loan information. She informed me that the application is not in joint name and said the loan credit is only {$960.00}. 
XX/XX/XXXX : Received closing disclosures with a different loan credit ( earnest money ) of {$960.00} versus original {$1600.00} committed. 
XXXX XXXX XXXX XXXX : Had several email/calls with XXXX XXXX XXXX She told me that XXXX XXXX would be able to add my spouse to the application and I have to talk to XXXX about the earnest money. 
XXXX  XXXX : XXXX XXXX on the error. 
XXXX  XXXX : Got response from XXXX that " I have all of her information, so I can get the new file started, have her added, and get everything taken care of for you. Just confirm for me that you want me to add her for you '' XXXX XXXX : Replied back " Yes please add her ''. 
XXXX  XXXX : Got new disclosures and realized that it is a new loan with different terms. The original loan was cancelled and the new application had different fee structure. This came as a surprise as the loan officer never disclosed that it will be a different loan application with different rates. I had asked him to add my spouse to the loan application and not cancel the existing one. Also the original application was what XXXX copied from the existing loan so I assumed it was accurate. 
Between XXXX XXXX XXXX : contacted XXXX and his manager through email and voice mails. Never got any call back to my voice mails. Got clarification that the pricing is going to be what is in the disclosures. Shared with them that i was planning to file a complaint. 
XX/XX/XXXX : Got email from XXXX XXXXXXXX XXXX  manager XXXX XXXX XXXX that they will honor the original credit of {$1600.00} and will re-issue disclosures. 
XX/XX/XXXX and XX/XX/XXXX : I have followed up with XXXX but did not get any response from XXXX
Product: Consumer Loan

Wron report about us, my wife and me. 
Hi, my name is XXXX XXXX and my wife XXXX XXXX XXXX. In XXXX 2016, my wife and me changed a car in XXXX XXXX XXXX, we paid every thing ready and take an other XXXX, The XXXX XXXX XXXX supposedly be to pay off to the Wells Fargo Dealer Services, WFDS XXXX, Auto Loan, but that does not occurred. Before that happened we paid the monthly payment at time by automatic system from the Wells Fargos my wife 's account. When we liquidated everything with the XXXX XXXX XXXX, we stopped the automatic payment. Finally, Wells Fargo reported to you that we delinquent in our payment and affected our current credit for both, my wife and me. Please help to resolved this matter. 
Thankyou Reward XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card

I had a joint AMEX account with my XXXX XXXX  and was settling a travel expense. I took a work trip with a coworker and paid for all expenses with the card. When it came time to do the report, I asked my employer to use a working computer, I asked for my own computer, and I asked several times for assistance. I used a mobile phone and completed the travel expense and had the report sent back with no feedback about the problem, several times. It was finally determined that their mobile program had an issue that didn't allow for " group meal '' as a reason in their drop-down menu when assigning a reason for a transaction. The program only allowed " individual meal. '' Even though the whole report was good minus this issue, the travel won't be paid for by the company. Since then, the trip has been paid for, but not the XXXX in late fees and interest. I paid XXXXXXXX XXXX XXXX on as an effort to pay for whatever tardiness I demonstrated. I believe this as an effort by the company to ruin my career by first grounding my travel, as I have a lawsuit for illegal deductions and a lawsuit for discrimination. I was promised by both my employer and by AMEX that this wouldn't go to collections or reflect poorly on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the credit bureau to have them remove these inquiries off my credit report and I got a response back stated these items are not removed and I'm request this again to have it removed immediately! None of these inquires are mines. I have not never contact these companies nor gave these companies my information to have them check my credit profile. 

Please have these remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm XXXX XXXX have this remove or Ill have to procced with legal actions.
Product: Credit reporting or other personal consumer reports

I am a consumer by law. My credit report has false and unfair reporting that is damaging my ability to get an apartment for my kids. Of course I am upset about this so I ask that this false information get removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30 late payment on XXXX 2014 on my credit report from XXXX  XXXX XXXX . Makes 7yrs should not be on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed my vehicle with Toyota financial in XX/XX/XXXX and was to make my first payment XX/XX/XXXX. I made this payment then my due date changed to the XX/XX/XXXX. So my next bill was not due until XX/XX/XXXX. On XX/XX/XXXX my credit score dropped 24 points for non payment of XX/XX/XXXX which was not due yet. I called Toyota and they told me they did not report false information and I need to handle it with XXXX myself. Then on XX/XX/XXXX I made my payment days before it was due. In XX/XX/XXXX toyota again reported again that I am late and my score dropped an additional 80 points. I have all my documents to prove my side. I was in the process of buying a house, which I had to put on hold because of the dramatic drop in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXXXXXX Balance : {$19000.00}, XXXX XXXX XXXX  XXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$680.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX