23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I paid {$3400.00} to attend a jazz festival in XXXX, XXXX on XXXX XXXX. This was to include hotel accommodations and a weekend of jazz with Music Getaways. XXXX days before the concert I got a letter that the hotel was oversold and not to come to XXXX. XXXX days before the concert I got a letter to stop calling the hotel because it was not the hotels problem but theirs and they would get back with me and offer me to attend another concert in XXXX. I dont want to attend a concert of theirs in XXXX. They changed the lineup of the concert they cancelled on me and removed the headliner so I have no idea what they will deliver if anything in XXXX ( plus I paid for a concert in XXXX not XXXX ). I have no way of contacting them as you can only reach them by e-mail. I sent them several e-mails and they still have not reached out to me. 

XXXX XXXX is now in bankruptcy, they have several scam sites dedicated to them on FB and XXXX and they also have had newspaper and news reports on their lack of delivering the services promised because they have scammed so many people. Many people have gotten their money back from their credit cards including some with CC accounts at the Bank of America per a poll done on one of those Scam pages on FB. How does Bank of America decide to give some of their customers their money back and not all of them when we all had the same thing happen to us. It seems like it just depends on who reviews it. I want consistency and fairness. Can I repeat their response to me was I did not prove that I did not get what I paid for. I dont understand how the e-mail from Music Getaways received 3 days prior to the show that says DO NOT SHOW up in XXXX XXXX XXXX XXXX is not proof that I DID NOT GET WHAT I PAID FOR. As I today, I gave Music Getaways {$3400.00} of my money and I received absolutely nothing : NO HOTEL and NO JAZZ CONCERT I went through the dispute channel with Bank of America. I sent them the following : Letters cancelling my ability to attend the concert from Music Getaway Letter from the attorney general that they are in bankruptcy court Copies of XXXX XXXX from the Scam website News article on the scam of this concert promoter After all of this Bank of America denied my claim and did not offer me any option to appeal their decision. These people stole my money. I was unable to stay at the hotel or attend the concert, yet they charged me {$3400.00}. 

I am super angry with them for intentionally taking my money but how can a financial institution condone this and not consider it fraud, lack of receipt of services when I did not get what I paid for and I proved it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction and concern over a serious error in the reporting of my account status by XXXX XXXX to XXXX of the credit bureaus, Equifax. I have recently settled a collection account with XXXX XXXX, and while this has been accurately reported as " paid '' to XXXX and XXXX, Equifax 's record continues to show the account as " derogatory '' and " unpaid. '' This inconsistency is negatively impacting my credit rating with Equifax and may potentially cause undue financial difficulties for me. 

I would like to stress that I have fulfilled my financial obligations regarding this debt, and the incorrect information reported to Equifax is both inaccurate and misleading. The failure to report the correct status of the account is a violation of the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate information reporting by the financial institutions. 

I kindly request that XXXX XXXX takes immediate action to rectify this error. Please update the status of my account with Equifax to reflect that the debt has been paid, thereby ensuring that all three credit bureaus have accurate and consistent information. 

I would appreciate it if XXXX XXXX could also provide me with written confirmation that these corrections have been made and that the accurate account status has been reported to all three credit bureaus. I believe this is an important step to protect my rights as a consumer and to prevent any potential future inconsistencies in my credit reporting. 

In light of the above, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) assist me in this matter and ensure that XXXX XXXX adheres to their obligation to provide accurate information to all credit reporting agencies. I understand that the CFPB has the ability to investigate these types of issues and I trust that you will be able to help me ensure that my credit report is accurate and fair. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I checked my credit report and noticed their negative reporting. I sent a validation of debt letter to the credit bureaus and the collection company asking for documents that prove the debt is mine. Neither of them could send anything. The collection company responded with a letter stating they couldnt find my account. I sent a second letter with copy of their reporting and asked for validation for the second time. Its been over two months and they never responded but the negative reporting is still in my credit profile
Product: Credit card or prepaid card

{$1800.00} was charged to my debit card and approved by HSBC through 3 transactions between XX/XX/2019 and XX/XX/2019. Other fraud was found between that time but declined and card was never blocked and I was not notified.
Product: Credit card

Chase Freedom sent a denial letter on XXXX XXXXXXXX XXXX. I received the letter on XXXX XXXX XXXX. I Never applied for a credit card from them. I called XXXX to dispute the hard inquiry on XXXX XXXX, XXXX. They gave me the reportfraud.ftc website to dispute. The letter from Chase Freedom didn't have a phone number to call them directly. I would like this inquiry removed from my credit please. Thank you!
Product: Debt collection

Subject : Request for Removal of Accounts Included in Bankruptcy from To Whom it May concern, I am writing to formally request the removal of certain accounts from my credit report. These accounts were included in my bankruptcy filing in 2018 and should no longer appear on my report, in accordance with the Fair Credit Reporting Act guidelines.

The following accounts were discharged through the bankruptcy process : - Prosper - XXXX XXXX XXXX XXXX XXXX ( XXXX ) - XXXX  XXXX XXXX XXXX - MOHELA ( Department of Education ) - XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX ) - XXXX  XXXX - XXXX  XXXX XXXX XXXX - XXXX Please investigate and remove any references to these accounts from my credit report. Additionally, I would like to address the issue of any attempts to collect on these discharged accounts, as I am prepared to pursue legal action if necessary.

Enclosed is the documentation of my bankruptcy discharge, confirming that these accounts were part of the filing.

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution.

Sincerely, [ Enclosures : Bankruptcy Discharge Documentation ]
Product: Credit reporting or other personal consumer reports

I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and formally request the immediate removal of charged-off accounts from my credit report. The presence of these accounts not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that consumer credit information reported by credit reporting agencies must be accurate, relevant, and timely. However, the charged-off accounts listed below fail to meet these standards and must be removed without delay : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. Balance : {$1800.00} ( as of XX/XX/XXXX ) Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXX. Balance : {$1600.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. Balance : {$2400.00} ( as of XX/XX/XXXX ) Furthermore, I have never received a 1099-C Form related to any of the alleged debts. It has come to my attention that these companies have utilized the debts as tax write-offs without providing proper notification, which further exacerbates the inaccuracies on my credit report. 

Per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action to enforce my rights under the FCRA. I expect your prompt attention and cooperation in resolving this matter. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continues and persistent request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Closing Reference # : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I tried to get my credit report and they did n't allow me to because I guess information was different then mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Bureau of the Hudson Valley INC # XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ( XXXX ) XXXX XX/XX/2016 balance : {$780.00} XXXX XXXX XXXX This is not me! I was not in an ambulance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified notices making self Lender aware that they are violating my " Consumer Rights '' under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give SELF LENDER written instruction to furnish any accounts on my consumer reports. 

Under Self Financial, Inc. Terms of Service ( Credit Reporting Services ), it states : " You understand that by accepting these Terms and Conditions you are providing written instructions to our third-party service provider, XXXX XXXX XXXX and its employees, agents, subsidiaries, affiliates, contractors, third party data providers, and all other credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), as amended, including XXXX, XXXX, XXXX and affiliated entities, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. 

I gave self lender permission to access my consumer reports in order to verify my identity and to provide the Services to me as per their Terms of Service!

Furthermore, 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information, The language of the law states : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At the time this Self Lender credit account was opened, I was never given a nondisclosure notice explaining how to exercise my rights according to the above law to OPT OUT of having this account reported to the Consumer Reporting Agencies. 

Self Lender has caused me finical damages due to their negligence of not following the law and refusal to DELETE the following accounts ( Self Visa Credit Card ACCOUNT # XXXX ) & ( SELF LENDER INSTALLMENT LOAN : LOAN # XXXX, ACCOUNT # XXXX ) from my Consumer Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information are in someone else hands or was part of a data breach these inquiries dont belong on my credit file and I would like them removed immediately
Product: Debt collection

On XXXX XXXX, 2015, I received an alert from a credit monitoring service that I subscribe to that I had an open collection with Convergence Outsourcing Inc. for the amount of {$290.00}. I immediately contacted Convergent and spoke with XXXX XXXX, who informed me that XXXX had sent this account to collections. He stated that I had cable services at XXXX XXXX XXXX XXXX, XXXX, IL. I explained that I have never lived at that address, nor did I ever have services. I explained that I have never received any correspondence notifying me of any debt and this is not my account. I 'm in the process of purchasing a home and ( this account that does not belong to me ) could possibly ruin my chances of becoming a home owner. 
I then called XXXX at XXXX and spoke with XXXX. I provided her with my address and she stated that there was no record in the system. I then provided her with my social security number and she again confirmed that there was nothing in the system except for my name, I asked her how does one get services she said through social security number, she too said that this was very odd. My question is how did this credit collection agency get access to my credit file and destroy it if there is not an account in XXXX system belonging to me? 

Convergent has destroyed my credit, my score plummet XXXX points, and I 'm in danger of losing everything that I have worked so hard for to purchase my first home. My credit file was in great standing. I have no knowledge of this account. I need this account to be removed immediately. This company is using deceptive practices and ruining my credit score and credit file. 
I 'm literally XXXX days away from purchasing my first home, and this negative mark on my credit may have destroyed my dream, thanks to this fraudulent company and their disregard for FCRA. 

I just want this information removed. I have worked to hard to maintain my good credit for this collection agency to take it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are incorrectly reporting information on my credit report and I want it fixed now. I have personally spoken with the company I got my loan from and they went above and beyond to correct their side and now because both XXXX and Transunion are incorrectly reporting information it is doing way beyond damage to my credit
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of my credit report, I am requesting the immediate removal of the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am disputing the following hard inquiries as I did not authorize these credit checks. I have no record of applying for credit with these companiesI am disputing the following hard inquiries as I did not authorize these credit checks. I have no record of applying for credit with these companies on these dates. on these dates. 

I dispute the accuracy of the information listed above and request that it be removed from my credit report immediately. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to a free copy of my credit report, which I request be sent to me within five days of receiving this letter. 
I look forward to your prompt attention to this matter. Please investigate my dispute thoroughly and provide me with written confirmation of the results of your investigation. 

enclosed with the dispute is my id, social, and proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was scammed via the internet to deposit checks from several individuals into my bank account at XXXX XXXX XXXX XXXX XXXX, send half of the deposited amount via PayPal, and was ensured I would be able to keep the other half of the money. XXXX {$500.00} checks were sent to me on XX/XX/XXXX, and I deposited them the same day. I then sent half to individuals on PayPal : XXXX XXXX - XXXX euros XXXX XXXX - {$240.00} XXXX XXXX - {$240.00} Xubing XXXX - {$260.00} XXXX XXXX - {$100.00} A name in XXXX characters - {$100.00} When the amounts being sent for deposit to my checking account I started to get suspicious and refused the additional checks, and told my mom what happened. We then filed a police report with XXXX Police Department in XXXX, XXXX ( RT # XXXX ). I also provided them my SSN. 

I filed a report with PayPal as well as with my bank. PayPal said they would work with my bank but XXXX XXXX XXXX XXXX XXXX is saying there is nothing they can do.
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA XXXX entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Product: Debt collection

CCS COLLECTION company is trying to illegally collect a debt. I have asked them to provide the original contract with my name ( XXXX XXXX XXXX XXXX signed in agreement to the illegal, alleged debt that they illegally purchased from XXXX XXXX XXXX XXXX in total violation of my Consumer Rights to privacy, Permissible Purpose and XXXX compliance. A recent review of my Consumer report shows that CCS COLLECTION COMPANY OF XXXX XXXX XXXX XXXX, MA XXXX is reporting illegally on my consumer report for a collection of debt that i have no idea exist with this company
Product: Payday loan, title loan, or personal loan

Went to XXXX XXXX, they told me I had 6 months free interest. The interest amount is outrageous. When I called XXXX XXXX XXXX, they stated I do not have 6 months free interest. This is a huge XXXX issue and a lot of junk fees. I am requesting they honor what they have said. 

Furthermore, I spoke with XXXX in Customer Service who is suppose to be a manager. It was the worst call every. Very unprofessional. You can tell they deal with upset customers everyday. They are on defense at all times.
Product: Debt collection

XXXX mailed certified letter to AmeriCollect requesting debt verification and all information requested in letter be sent, if available ( attached ). 

XXXX - AmeriCollect responded with original creditor 's bill and over half of information requested not available. Also, my legal name on their files are incorrect. 

XXXX - collection REMOVED from all credit reports. 
during this time and XXXX collection account was placed back on all reports. 

XXXX mailed another certified letter requesting complete documentation for a second time. All information requested in yellow was not provided the first time. This letter was received on XXXX at XXXX and I received a voicemail from them the same day at XXXX. ( ALL information attached ) XXXX I received a letter stating that my request was " frivolous and irrelevant. '' I have disputed this because they can not provide requested information and my name listed on the bills are not my legal name. They also continue to call daily, sometime twice a day or more.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw an account on my credit report thats either completely wrong or not mine. Its unfairly damaging my credit, and I need this fixed fast.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX have not updated my mortgage file and my mortgage company has not update the file either i have dispute the information on several occasions and nothing, my file is reporting foreclosure and i am in forbearance i am trying to refinance my property and i cant cause they are not reporting the correct information and when the bank pulls my Experian file shows I'm in a foreclosure status XXXX has not updated the file in over a year and states the account is closed, and XXXX  shows the account is closed, XXXX XXXX XXXX XXXX is the agency reporting the information, i have called them on several occasions also to update the files and nothing has been done the account is an active account. due to all party 's involved being negligent, i am requesting that the foreclosure be removed from my account because it is hindering me from getting my mortgage refinanced. i am expecting that this item of foreclosure be removed immediately. and update my account accordingly.
Product: Debt collection

I called XXXX XXXX to understand why I had to pay debt to debt collector. 

I had ended the memebership IN PERSON in XXXX of 2022, and had moved out of state and even changed my card, but the membership kept charging me! 

I had now accrued over XXXX dollars in debt. there is NO place to cancel the membership ONLINE, over the phone with the gym or the billing ( third-party ) system that they use, and no I had received a few emaisl from the law firm Aldous and Associates that they are trying to collect debt with the amount listed and go after my credit. 

I had attempted to cancel nearly XXXX times called and no one could point me in a direction. not to support, not to billing that can cancel memebrship, not online or over the phone, and it was physically impossible to cancel in person. I called the law firm and they couldnt even give me a receipt and now I realize I want all the money back becuase I find that this is a scam! 

It has been nearly impossible to cancel my debt with this stupid gym and do not want it to affect my credit! I want to sue the gym for going after me wrongfully when I had been able to cancel a year ago, and to get all the funds that they had wrongly charged me for, and even gotten a law firm involved. 

XXXX XXXX XXXX Even the employee I had talked to over the phone said " to be honest, this whole place is going down the drain .... ''