23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded the certified letter that I sent to XXXX XXXX which explains in detail what I'm disputing. Briefly, I bought ~$40 worth of items from XXXX XXXX in XX/XX/XXXX and used my XXXX   card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX andXX/XX/XXXXstatements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called XXXX customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by XXXX, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by XXXX.  I sent a certified letter to XXXX explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, XXXX, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at XXXX to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!
Product: Credit card

Target TD bank closed my account under fals pretenses. I called multiple times and reported fraudulent charges on said account. Target stated that this wasn't an act of fraud or identity theft after I explicitly stated that the charges were not mine. Target then continues to ruin my credit and cause me and my family harm by falsely reporting to the credit agencies. Target TD bank have caused me great harm and have failed to uphold their fiduciary duties to protect my identity. In accordance with the Fair Credit Reporting Act, they have violated my rights. Pursuant to 15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : I was also notified of my privacy being infringed on and my information being exposed, again I HAVE THE RIGHT TO PRIVACY pursuant to the privacy act of 1974. Pursuant to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am aware that Target sales and trade receivables on the secondary market. According to their 10k form Also on pg 16 of the 10k form it states that " No recourse under or upon any obligation, covenant or agreement of this Indenture, or of any Debt Security or any coupon, or for any claim based thereon or otherwise in respect thereof, shall be had against any incorporator, stockholder, officer or director, as such, past, present or future, of the Company or of any successor corporation, either directly or through the Company, whether by virtue of any constitution, statute or rule of law, or by the enforcement of any assessment or penalty or otherwise ; it being expressly understood that this Indenture and the obligations issued hereunder are solely corporate obligations of the Company, and that no such personal liability whatever shall attach to, or is or shall be incurred by, the incorporators, stockholders, officers or directors, as such, of the Company or of any successor corporation, or any of them, because of the creation of the indebtedness '' I am aware that this account is a certificate of indebtedness and Target has no right to report it negatively on my report, nor did they have the right to close this account. 

The indenture and the Issuer are required to perform as specified in your Indenture and in your prospectus. Additionally, it is in my understanding that you are selling my securities on the secondary markets even though in your prospectus you specifically state you dont. I WILL BE FORCED TO REPORT YOU TO SEC FOR SECURITIES FRAUD. Alongside the report I will include a FORENSIC FINANCIAL SECURITIZATION AUDIT OF MY Account if this is not rectified immediately
Product: Debt collection

Hello! Back in XX/XX/2020, I noticed that there was a collection account on my credit report. There was not only one, but two debt collection accounts from the same company. I myself do not know or understand anything about debt collections. But when I was on the XXXX credit bureau website. I went on and decided to dispute the debt collection company CMRE Financial Services INC on the website. XXXX  claimed that the debt was valid, but never sent me any evidence to support this claim. Being though I again, do not fully understand the whole thing about debt collection ; I went on and paid the debt collections, without any proof from XXXX or CMRE Financial Services INC. I have never even received an invoice or any documentation from the debt collector, about the accounts. My first contact with these accounts was when I looked at my credit report and seen these negative marks on the credit report. When I paid them off in XX/XX/2020. I started to receive multiple debt collection accounts from many different collectors. I knew now, that there must be some type of issues concerning my information. It wasn't until I received a letter stating that my Personal Health Information may have been exposed. I knew for sure, that all of these letters from various debt collectors were fraudulent. I have contacted CMRE Financial Sevices INC, to let them know that, the debt collections they issued me, was definitely fraudulent information. I know for sure, that I paid them under false pretenses. And that the debt they are saying belongs to me is simply not true. I sent multiple letters to XXXX  and CMRE Financial Services INC, by certified mail, asking them to reinvestigate the legitimacy of these debts owed to CMRE Financial Services INC. I'm a single mother and an essential worker for the USPS. All I ask is for CFPB to investigate CMRE Financial Services INC, and have them validate the debt that they are saying is mines. I have paid both debts in XX/XX/2020 in the amounts of {$700.00} and {$570.00}. I only ask for a refund and for the negative debt accounts to be deleted from the three credit bureaus. This saddens me, that people can put any type of information on consumer credit reports, without real physical proof of validation. This is something that needs to be changed and updated. I thank you, for taking the time to read my report and any info that you shall need from me will be provided. Thank you!
Product: Debt collection

I tried disputing this matter online and XXXX XXXX XXXX is saying this is my debt. This account is over 7years old and they are trying to collect on something that has been paid to a company that is no longer in business
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts, and I have the right to privacy. Please be reminded, no consent is identity theft. 

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 Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$170.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, XXXX XXXX XXXXXXXX URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of XXXX XXXX which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent Accounts : 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 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 These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened an account with this company. Please help remove the item from my credit report.
Product: Debt collection

The account has already been paid in full and still has been submitted to the credit bureaus after being paid in full. 

Contacted the company and have left messages. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my credit report previously. It was fixed at that time. Now XXXX has again messed with that same account and has this old, closed, satisfied account marked as LATE as recently as XXXX/XXXX/XXXX!!! The balance of this account has been XXXX since XXXX XXXX. It now shows a balance of {$4500.00}. 

I tried to dispute the error with this account AGAIN and I am told that I can not dispute it because it has previously been disputed. I called customer service and the employee became HOSTILE towards me. 

This account is WRONG. it is not late. It was satisfied and closed in XX/XX/XXXX. I want the account removed immediately and permanently. Even if it were to be fixed AGAIN, I no longer trust XXXX to not change it back. 

Remove SCHOOLSFIRST FCU " installment loan '' XXXX opened XXXX/XXXX/XXXX original amount {$6000.00} immediately and permanently from my report. I have proof that I have previously disputed this SAME account. I will be reporting every error from now on. I am sick of this. XXXX and XXXX have it right. XXXX IS TRASH.
Product: Credit reporting or other personal consumer reports

XXXX has Failed to fulfill his Legal OBLigation under The FaiR Credit Reporting Act ( FCRA ) to conduct a Reasonable Reinvestigation of disputed information on my credit report Leaving inaccurate or unverifiable account unresolved The consumer Financial Protection Bureau ( CFPB ) has Recently Filed a lawsuit against XXXX alleging Systemic Issues such as Failing to Forward Consumer- Provided Evidence to Furnishers accepting unreliable Responses. and falling to adequately notify consumers of dispute outcomes These Failures align with my Experience where XXXX has neither corrected nor remove disputed items despite the evidence, I Provided causing ongoing harm to my credit Standing lam Requesting Immediate corrective action to Remove or Amend the disputed account as XXXX 's Inaction violation Federal Law and my Rights as.consumer
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

Sometime around XX/XX/XXXX I received a call from CBE group requesting identifying information from me. I asked the woman who was a representative working for CBE group that I was in a communal office setting at work, and I was not going to provide that information until I was in a secure area. I requested she please call me again at a time I knew I would be able to share this identifying information. Specifically, after XXXX on any week day. 

Between XX/XX/XXXX and XXXX XXXX I received over a dozen phone calls on M-F between the hours of XXXX and XXXX, and received XXXX calls after XXXX. I was unable to answer any of the calls as I was at work and not able to answer my phone. 

On XX/XX/XXXX I received a call at XXXX, which I was able to answer, but not provide any information ( as specified prior ). I asked the gentleman from CBE group to read me any notes on my account. He said there was one note to not contact me until after XXXX on weekdays. I explained that I had received over a dozen calls in the last 2 week during work hours and requested he call me again that afternoon. He said " I can have you marked as do not contact, is that okay? '' to which I explicitly told him " No '' and explained that was not what I was asking, and I would be more than willing to receive any calls after XXXX on weekdays. 

I was then never contact again and CBE group placed a major derogatory on my credit report. When I called CBE group and spoke to a representative, they informed me I had been marked as " Do not Contact ''.
Product: Credit card

A credit card account was opened in XX/XX/XXXX, without my knowledge or consent. I didn't realize this til almost a XXXX years after the fact when I was checking my credit report. I immediately called Chase Bank to open a fraud case. It was investigated and found to be a valid account, as of today, XXXX XXXX, it has been investigated 5 times all with the same answer that a " single '' payment was made from my personal checking account. I asked when said payment was made and was given two dates, XXXX in the amount of {$500.00} and XXXX in the amount of {$460.00}. I then proceeded to submit my banking statements to Chase covering these periods when the payments were said to have been made. There are no such payments ever being made from my personal checking account. I filed a police report with the XXXX XXXX Police Department, Incident # XXXX. I have done everything I know to do to show this account was opened without my knowledge and consent. My last phone call to Chase bank on XX/XX/XXXXXXXX  I was informed that the account was " charged off '' but would be continued to be reported to the credit bureau and was directed to contact one of the credit bureaus for further assistance. I am currently submitting my fraud claim to XXXX but was also informed to bring my claim to the FTC, which is why I'm writing to you today. Thank you for your kind attention in this matter and I look forward to hearing from you. 

I've attached my banking statements that covers the periods Chase says I made the payments, which I did not.
Product: Credit reporting or other personal consumer reports

I have attempted to contact XXXX and TransUnion to remove the extended fraud alert on my profile. I have active membership profiles and both websites advertise the ability to remove my fraud alert when I want to. I am inputting the same information in front of my current credit report in front of me. The website, app and phone system is consistently throwing error messages and my requests by mail go unanswered. It is impossible to reach someone by phone and this is hindering my ability to obtain credit in several instances.
Product: Credit card

I have the American Express Delta Reserve SkyMiles credit card. XXXX of the features of the card is bonus miles ( rewards ) after spending a certain amount with that card within a calendar year. A few days before XX/XX/2016 ended I called an AMEX representative to find out exactly how much more I needed to spend in order to meet that bonus requirement. I was told that I needed to spend about {$300.00} more ( I ca n't remember the exact number ). I went ahead and spent {$330.00} to be safe. After the year closed I did n't get my bonus, I called to find out why. I was told that it was because I did n't meet my spend requirement. They told me I was {$100.00} short. 
I was told inaccurate information by a representative and as a result fell short of my spend requirement. I made a complaint with AMEX and was told that they will honor the bonus due to the result of their investigation. It has now been over a month and I still have n't received anything. When I call customer service they tell me that " they are still investigating the case ''. It has now been close to two months with no resolution.
Product: Credit reporting or other personal consumer reports

The XXXX acounts I have attached are not mine and the credit reporting agencies are saying the information was verified. I am still in a XXXX  XXXX and under federal laws. I can not open any new account such as loan or credit cars. With the Trustee approval. The will send me the approval letter from the Trustee. On of them has a court order child support they state I am am be hide the state refused to send documents to me and say there is no signed court order. The court order is singed. I did turn in the child support to the federal and XXXX XXXX XXXX for fraud.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I contacted Bank Of America regarding a lost cashiers check which was listed by the Georgia Department of Revenue Lost Revenue Department. I spoke for over an hour with agent XXXX XXXX and gave him my dads social and address, in order to claim the check. He informed me it would take XXXX weeks for Bank of America to send over the information to the State of Georgia. To date, the state of Georgia has not received anything. I was given the phone number for XXXX XXXX of XXXX x XXXX but when I call, I am requested in input a XXXX digit extension number. Calling Bank of America, I have been unsuccessful in getting a resolution to this matter
Product: Checking or savings account

My card was used to make the following purchases between XX/XX/2023 - XX/XX/2023 : {$56.00}, {$5.00}, {$50.00}, {$75.00}, {$710.00}, {$27.00}, & {$2400.00}. I reported this to NFCU and they were reluctant to give me a credit knowing the emergency we were in because of this. They do not want to refund me my money that was defrauded from me.
Product: Credit card

Hello Consumer Department, I had Old Navy Credit card from last 10 years and never ever miss any payments. Last Talking with XXXX she is so rude from old navy fraud and investigation department, her ID XXXX Fraud Transaction details : XXXX XX/XX/2023 {$230.00} XXXX XX/XX/2203 {$13.00} XXXX XX/XX/2023 {$140.00} Old navy last card, I remember XXXX.
Product: Money transfer, virtual currency, or money service

In 2022 I paid {$370.00} for a XXXX for XXXX XXXX XXXX. This Chef advertised as if he lived in XXXX however he was a traveling Chef and actually lived in Illinois. Within hours of me discovering this I immediately canceled and requested a refund which was apart of his policy. He immediately blocked me from contacting him through telephone and social media. I contacted the Illinois Attorney General XXXX in which they tried to contact him, I have a letter from their office with their attempts. I contacted CashApp as well to try to get my money back but never recieved a response or a resolution.
Product: Credit card

I can not get ahold of a supervisor or U.S. representative of Capital One / Quicksilver credit card. I have {$1900.00} in fraud charges.

I have received broken up information on these but still don't know if they are taken off completely. On these I am receiving late fees and interest charges...

The XXXX  problem is on XXXX  XXXX XXXX I stopped payment on a charge not authorized by me. The charge was removed from XXXX XXXX XXXX in XXXX XXXX, California. 
This was NEVER paid out ..and after XXXX  days the dispute ended. This company is fraud.XXXX XXXX to move my household furniture..broke alot of it and didn't finish job. 
I have photos. 
I have received {$660.00} of this money..I am owed {$1300.00}.. {$2000.00} - {$660.00} = {$1300.00} ... correct?.. 
The XXXX problem I made a payment on XX/XX/2024 to Capital One. This was negotiated by their bank on XX/XX/2024 which they say they never received... deposit # XXXX. 
I believe this mess started in XXXX... I have tried to speak to girls who say they are EQUIPTED..to help me..from some XXXX XXXXXXXX they have no clue! I need my money..this is the second time I have gotten fraudulent charges on XXXX cards..they say I have a new card??? I do not. I want my money back and I will no longer do business with them..This company has put me in collections and dropped my XXXX XXXX XXXX  to XXXX ... .Ii need this money I am on XXXX XXXX a fixed income... Thank you so much for your help.. 
Sincerely, XXXX XXXX XXXX