23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address, These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile.To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report ( SEE ATTACHMENTS ) Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " ALL THE COMPANIES '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

XXXX XXXX sent statement with statement coupons showing my address but I never received anything in the mail. XXXX is saying XXXX XXXX XXXX XXXX ( XXXX  ) is the servicer of these accounts, I'm confused which company is it? 
How can three different Companies report inaccurate information on my Consumer Credit Report? 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted requests to all three credit unions ( XXXX, XXXX, and Experian and neither was able verify the account, so I requested it be removed within 30 days and it still havent. I have an account from XXXX XXXX XXXX  that should not be on my credit report.
Product: Debt collection

My name is XXXX XXXX and I recently hired a law firm to help me resolve several high debt matters from a limited liability company, where my partner ran up excessive debts. The partnership was officially terminated back in 2017, even though the limited liability company is still valid. These debts are guaranteed by the limited liability company. I request at this time a reasonable settlement response from each of these creditors without going through a Chapter XXXX corporate bankruptcy process or a Chapter XXXX bankruptcy process. I submit these settlement requests through a Consumer Financial Protection Bureau portal to show my intentions are honest and within my rights. The limited liability company is known as XXXX XXXX XXXX XXXX XXXX, XXXX and the employee identification number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX... .Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i applied for a new line of credit to finance a purchase, however I was denied by the lender ( Citizens One ) based on my XXXX  report with the cited reason GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION However, my credit report shows no record of any such negative action. I am not sure if this is an XXXX  reporting error or a Citizens One reviewing error, but either way it has created an issue because I am unable to dispute a claim that does not appear on my credit report.
Product: Credit reporting or other personal consumer reports

I was attending an amusement park, and my wallet went missing. I informed the authorities, and a report was made in case it could be recovered. I recently obtained a copy of my credit report and notice an account that I have no affiliation or knowledge of. I reached out to this company to gain more information and have requested verification without a response. This account being furnished to my profile is in violation of 15 USC 1681. Not only should an account not be furnished without my permission, but also should not be furnished due to identity theft. Furnishing these accounts are not only violating my rights but affecting my ability to obtain credit. I have no idea what XXXX XXXX XXXX is nor have I ever had an account with this company
Product: Mortgage

My mortgagee was transferred to Select Portfolio Servicing from XXXX. XXXX. When it was transferred, I had a FHA loan. Select Portfolio Servicing reported on my credit report that I had Conventional Real Estate MTG mortgage and Conventional Re Mortgage, Date Opened XX/XX/XXXX this is untrue. On XX/XX/XXXX, I never opened a Conventional Real Estate MTG mortgage or Conventional Re Mortgage, Ever. Also, in XX/XX/XXXX I received some fraudulent documents, from Select Portfolio Servicing that had been copied and pasted. Even my initials, and signature was copied and pasted to the document. It also included a different account number, from my original account number with Select Portfolio Servicing, as well as a different address to send payments. I never complied and customer service said it was a mistake. I also noted on my credit report that the fraudulent information concerning a Conventional Real Estate MTG Mortgage and Conventional Re Mortgage was updated on XX/XX/XXXX. I have never had a Conventional Real Estate MTG mortgage or Conventional Re Mortgage. Under the Fair Credit Reporting Act ( FCRA ), I have the right to fair and accurate reporting of my credit information.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Professional debt mediation has reported a {$1400.00} delinquent account on my credit report on behalf of XXXX XXXX XXXX XXXX in XXXX, GA. When I moved into these apartment homes, the community was brand new - as were all personnel in the front office. The lease that I signed required a 30-day lease non-renewal notification. However, after signing my lease, the front office staff added a cover page to the lease which I was never shown and I never signed. This new cover page stated that the lease, instead, would require a 60-day notice of non-renewal. Having received no notification of this policy or the fact that the front office staff planned to hold me to their 60-day cancellation policy without ever providing it to me, I provided the required 30-day notice that I did not intend to renew my lease. After informing me that they planned to charge me one months rent for failing to provide adequate notice, XXXX XXXX then provided me with a copy of all leasing documents they had on file for me, which are attached to this complaint. As you can see, the cover page that was never provided to me is unsigned by me. Instead, the lease that I DID sign clearly required a 30-day notice, which I provided and was accepted by the community management. See paragraph 6, circled in green. This is nothing less  than fraud by a predatory management team who was clearly incapable of doing their job correctly from the beginning. Their flaws, however, are not my fault, and I refuse to pay a debt which I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from Equifax dated XX/XX/2018 stating that 'We have received your request concerning a security freeze on your Equifax credit report. Unfortunately, we were unable to process your request because we need additional information. ' Then the letter requests that I submit items to validate my identity and address. 
I have made no recent requests to Equifax concerning my security freeze. 
My security freeze should be current and in place. 

I do not know why Equifax sent me this letter claiming that I made a request concerning a security freeze when I did not.
Product: Prepaid card

I have been in a continued struggle with American Express Serve regarding a charge on my account. On XXXX XXXX a charge was placed on my account for the amount of {$200.00}. I was told by the merchant on XXXX XXXX that due to an issue with their billing system as well as several issues during my stay I would not be charged. I attempted to get the charge reversed and was even told by the assistant manager that she would reverse the charge but only the XXXX could process it. I was unable to resolve the issue directly so I then filed a dispute with American Express. I received an email asking for necessary information regarding my dispute which I provided as well as contacted American Express and explained the entire issue to a representative which I believe misfiled the dispute because then it was closed on XXXX XXXX because they said they did n't receive any info. I requested the dispute to be refiled and the dispute was n't refiled until a month later. During the entire process I spoke with numerous supervisors who on each call gave me a different story on my dispute but we 're all just excusses on why I was still waiting. I was also promised a provisional credit by American Express which was not honored. I then spoke to a representative and supervisor who told me that the merchant agreed to refund the charges which have not yet been refunded. Then today I spoke to a representative who told me that was also not true and that the dispute was still in progress even through it has been over three months since the charge was originally placed on my account. I also have all conversations with American Express recorded in compliance with my local state and federal laws when the representative promised a credit as well as being told that a refund was going to be issued.
Product: Credit reporting or other personal consumer reports

My credit report from XXXX app, XXXX and Equifax has not been update for months. All though Ive making all payment on times my credit report remain the same. 
I have attached proof of my credit report from XXXX XXXX that constantly been updated. 
XXXX never updated my credit report.
Product: Debt collection

Midland Funding XX/XX/ {$770.00} I have called and asked this company to provide me proof that I opened this alleged account that was opened under a different company name while I was in bankruptcy and they refuse to provide me any proof. They record me and tell me they are sending me something in the mail and I never receive anything from them but they call me almost daily from fraudulent numbers and do not leave messages, the number always changes and they must own 1000 's of phone numbers because it is always something different. I can provide proof on demand.
Product: Credit card or prepaid card

During my called a told them that was fraudulent account that was open under my name when I contacted them on XX/XX/2020. A few weeks later I received a letter from them to signed and return if the account was not mine, which I did. 

On XX/XX/XXXX I received the letter attached. Which I totally disagree with them for the following reason. 

1. I have never verified from the a one-time passcode. 
2. I have never received the card. 
3. I have never made a payment to that account 4. that account that was used at they state to make a payment is not mine.
Product: Checking or savings account

On XX/XX/XXXX at XXXX at a Wells Fargo Bank I took out XXXX out of a different account at the ATM, then I deposited into my Wells Fargo checking account, the machine was running weird and said that I deposited XXXX, I pushed the button to have all my funds returned, it was again sounding weird it gave my XXXX, then said the transaction was cancelled while keeping XXXX. 
I notified the bank that there was an problem, they said it would take up to 10 business days. 
I was then notified by the bank that there was no discrepancy with the ATM. 
I complained that that couldn't be right because I'm missing XXXX, Then finally on XX/XX/XXXX the bank called and said that there was nothing more they could do. 
This is not right I'm missing XXXX
Product: Credit reporting or other personal consumer reports

Delete Addresses ; XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX , OK XXXX The addresses stated in the above reference must be deleted from my credit file as it is inaccurate regardless of what any creditor is reporting. Im aware Experian has some illiterate policy in place of disregarding address removal if associated with an account which strictly goes against the Fair Credit Report ACT. 
A consumer has the RIGHT TO DISPUTE under FCRA regardless. Credit Reporting Agencies must furnish complete accurate information under the oath of federal law. 
Experian you have violated my right as an consumer if these addresses are not remove from credit file. I provided proof of residency, Driver License, Utility & Statement. If not, remove it willful noncompliance of furnishing inaccurate information. 
Violation 15 U.S. Code 1681n civil liability & willful noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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. Please delete this account ASAP. Also, these inquiries are also fraudulent, please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was sold to the creditor from a different company. I did not go into contract with portfolio recovery and they are unable to produce paperwork stating that I have a contract with their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I haven't received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. section 611 ( a ), it is plainly stated that failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in addressing inaccurate late payment entries on my credit report. These entries are incorrect and do not accurately reflect my payment history. Despite efforts to resolve this directly with the creditor and credit reporting agencies, the issue remains unresolved. I kindly ask for your support in ensuring these inaccuracies are removed from my report promptly.
Product: Credit reporting or other personal consumer reports

MY CREDIT WAS USED WITHOUT MY CONSENT TO OBTAIN DREDIT I HAVE UPLOADED FILES
Product: Checking or savings account

My wife and I opened a joint high yield savings account- Citi XXXX With Citi Bank . This was a lengthy process that was completed and verified on the phone with the representative. 
We use the online portal to log into the account which was set up and functioning and verified. We transferred {$10000.00} US To this account. 
Citi Bank subsequently decided to close this account in the middle of the night And gives no reasoning or explanation. 
This account is linked to another savings account. We have with them that contains roughly {$570.00}, And this ACCT was also locked along with all of my credit accounts with Citibank. 
I spoke at length to representatives and supervisors about this issue. They said it takes 30 to 60 days to refund our money from the account they closed. 
These phone calls are recorded and ACCT specialist admit on the phone that they do not disclose this waiting to their customers. And there is no way I could have known they were going to hold my funds for 60 days. The representative confirmed this. I have inquired whether or not there is any resolution to this that gets me my money back without them keeping it for two months, they said NO. They offered no solutions, And admit 100 % that they did not disclose this policy prior to the account being open. 
They told me I have no recourse and there is nothing I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate accounts on my profile.
Product: Credit card

I am filing this complaint because American Express has failed to protect me as a cardholder in a prolonged dispute with a fraudulent merchant, XXXX. On XX/XX/year>2022, I purchased travel tickets through XXXX for my family, totaling {$6100.00}. Unfortunately, due to significant issues during the flight that jeopardized my familys health and refusal of travel agency and airline to rectify, my children became sick, and we were unable to attend the wedding we had planned to travel for. 

XXXX promised XXXX alternative travel arrangements and a full refund, but they never lived up to that promise. Despite numerous attempts to contact them, XXXX has refused to respond or honor their commitment. This behavior is deceitful and fraudulent. 

I immediately reported the situation to American Express and provided extensive documentation, including communications with Oojo.com and evidence of the merchants failure to deliver on their promises. Initially, American Express assured me that they would fight for me and that I would not be held responsible for this charge. 

However, more than two years have passed, and I have had to reopen this dispute multiple times. Each time, American Express has failed to resolve the matter despite the overwhelming evidence in my favor. This ongoing failure has caused me significant distress and financial hardship. 

As a long-time cardholder, I am deeply disappointed by American Expresss lack of action and unwillingness to protect me from a fraudulent merchant. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that American Express properly investigates this case, holds Oojo.com accountable, and refunds the full amount of {$6100.00}.