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

The following companies have violated my rights : Account Name : XXXX XXXX XXXX XX/XX/XXXX {$980.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$29000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX {$10000.00} Account Name : XXXX XXXX XXXX/XXXX {$550.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} Account Name : XXXX XXXX XX/XX/XXXX {$1300.00} 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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: Credit card or prepaid card

Attempted to use XXXX ( and Citicard ) to make hotel reservation at XXXX XXXX, XXXX XXXX Oregon XX/XX/XXXX. Upon arrival no reservation had been made. I spent XXXX minutes trying to call XXXX to no avail, no response, no help from XXXX. XXXX XXXX clerk was very helpful and said he frequently noticed problems with XXXX. So we used our Citicard XXXX to pay for room. After receiving our next card statement we noticed 2 identical charges for {$100.00} for the same date : XX/XX/XXXX. 

Complaint is that XXXX did not provide any tangible or useful service, yet they billed us as if they did. Two complaints have been made to Citi and they just repeat the statement from XXXX that they will not accept this chargeback, and that XXXX did make a reservation. That is not true. A useful reservation was not made, and XXXX at that time had a total lack of any practical, timely customer assistance. As of this date ( XX/XX/XXXX ) we have not been made whole and we are out {$100.00} due to XXXX 's breakdown, and lack of any reasonable support or consumer advocacy from Citi.
Product: Debt collection

Pro collect incorporated refuses to send validation for debt, refuses to take my call ( leaves me on hold )
Product: Checking or savings account

I canceled a payment ( XXXX {$XXXX} ) with a merchant. Called PayPal and was told funds would be returned in 3-5 days. Money has not been returned after time period, after calling was told 5-7 days. Im starting to feel Im getting the run-around. Was put on hold forever for the dispute department.
Product: Checking or savings account

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, charges on my bank account were made to XXXX XXXX  for {$500.00}, {$870.00}, and {$3000.00}. However, I do not even have an account made with this merchant, nor have I heard of them before. I called my bank, JP Morgan Chase, about the charges, and were able to reverse the first two charges back to me, but now my {$3000.00}, which the reversal money was a part of, is being denied as the bank states I have an account that makes monthly payments to, which again, can not be possible as I had no prior business with this merchant. I have an XXXX address that may lead to who or where the transfers are coming from, and after looking up where it is, it is in a completely different country than my residence. I need that {$3000.00} fully refunded back to me as I have payment that need to be made, and that one charge has completely depleted my account to less than {$100.00}.
Product: Checking or savings account

MY NAME IS XXXX XXXX XXXX, I AM MAKING THIS COMPLAINT TO REOPEN A FRAUD CASE WITH XXXX SOUTH STATE BANK REGARDING FRAUDULENT CHARGES SOMEONE STOLE MY WIFE XXXX XXXXXXXX XXXX  WALLET AND PHONE SHE IS PART OF MY CHECKS, WHO STEAL XXXX XXXX 'S INFORMATION OPENED ACCOUNTS IN OTHER COMPANIES TO FRAUD AND IN THE SAME WAY USED SOUTH STATE BANK TO MAKE FRAUDULENT TRANSACTIONS, SINCE MY WIFE XXXX XXXXXXXX XXXX PHONE KEEPS PHOTOS OF HER TO USE AS PROOF OF IDENTITY AND I ALSO KEEP A PHOTO OF MY DEBIT BANK CARD WHICH THEY USED TO CARRY OUT THE FRAUD WITH THE BANK, IN THE SAME WAY I REPORTED THE FRAUD TO THE BANK BUT I WAS NOT KNOWN THAT THEY HAD USED XXXX XXXXXXXX XXXX INFORMATION TO DO THE FRAUD, I REPORTED THIS TO THE POLICE DEPARTMENT I ALSO DID AN IDENTITY THEFT BECAUSE SHE WAS A VICTIM OF IDENTITY THEFT AND EE FRAUD, PLEASE REOPEN THIS CA SO AND HELP ME RECOVER THE CREDITS TO MY BANK ACCOUNT, SINCE MY ACCOUNT HAS A NEGATIVE BALANCE OF {$15000.00} DUE TO THIS FRAUD HERE IS THE IDENTITY THEFT REPORT
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response.

For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE SENT THIS LETTER TO ALL THE HARD INQUIRIES ON MY CREDIT AND NOTHING HAS HAPPENED FOR OVER THE LAST 4 WEEKS OF NO RESPONSES. 

PLEASE REMOVE THE FOLLOWING HARD INQUIRES : XXXX, XXXX & XXXX UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS I PRESUME THAT NO PROOFOF THE ALLEGED DEBT, NOR THEREFORE, ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUNAT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VOLAITING MY CONSUMER RIGHT TO PRIVACY PURSUNAT TO 15 USC 1681 -B2 COMPANY HAS NO PREMISSION TO REPORT MY INFORMATION PER 15 US 16814.

PLEASE REMOVE THE FOLLOWING HARD INQUIRES :
Product: Credit reporting, credit repair services, or other personal consumer reports

MediCredit is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt reporting on my credit and was very confused. I had never received any calls, letters or correspondence regarding this debt and that violates my 30 day right to dispute. Not only that but this debt is very old, according to my Attorney General this debt is past the statue in North Carolina. Not only is this past the statue of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed from my credit report.
Product: Credit card

On XX/XX/2023, I disputed a charge of {$150.00} - details below. Capital One sent a message to me that it was providing a provisional credit, an agent would review the dispute and contact the merchant, and would notify me of the merchant 's response. Capital One did NOT request any information from me, other than what I told Capital One when making the dispute. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Capital One that it had " requested information from you. We have not received your response ''. It never contacted me for additional information. Nor has it notified me of the merchant 's response. In fact, it appears that Capital One did NOT contact the merchant about my dispute. But, rather Capital One CRIMINALLY and FRAUDULENTLY dismissed my dispute without ever investigating it. Capital One refuses to deal with me further and demands payment of the disputed charge. The dispute is that I notified the merchant, XXXX XXXX, on XX/XX/XXXX NOT to renew my policy on XX/XX/XXXX. It confirmed a non-renewal for the renewal date XX/XX/XXXX. Earlier on XX/XX/XXXX I cancelled Auto Pay. When I complained to XXXX about the unauthorized charge, XXXX confirmed in a saved chat that it would refund the charge within XXXX days and in the same form - credit card- as charged. Had Capital One actually contacted the merchant, XXXX would have disclosed this information and not contested my dispute. Capital One is STEALING {$150.00} from me.
Product: Debt collection

I have never have this credit card. as i previously reported to the company, this account does not belong to me.
Product: Credit card

XX/XX/XXXX ordered from XXXX {$2600.00} laptop to begin working on a project XX/XX/XXXX multiple packages delivered by XXXX not laptop which required signature XX/XX/XXXX contact XXXX they confirm they did not deliver and will issue refund XX/XX/XXXX contact credit card company DISCOVER to ensure I am provided refund, I am advised to dispute. I do. 
XX/XX/XXXX They rule in favor of the merchent because they have " confirmation of delivery '' XX/XX/XXXX i contact discover and ask for what else is needed - they need proof XXXX intended to refund me, which i provided, then they requested proof of where the refund was going I provide ALL OF THESE THINGS MULTIPLE TIMES IN MULTIPLE WAYS. Discover provides a provisional credit again. 
XX/XX/XXXX they rule in merchants favor again. I provide more proof XX/XX/XXXX more prooof is requested, and provided XX/XX/XXXX Manager calls me and says they can not help me because even though I did everything they asked to prove over the span of 4 months, XXXX XXXX said it is delievered. WE SPEAK ON 3 WAY WITH XXXX. XXXX CONFIRMS IT MAY HAVE BEEN DELIVERED TO THE WRONG ADDRESS BUT SINCE IT WAS DELIEVERED THEIR BACK OFFICE TEAM DENIED MY REFUND. DISCOVER SIDES WITH XXXX EVEN THOUGH THEY HEAR THIS. 
XX/XX/XXXX XXXX XXXX confirms I did not recieve it and offers to send a new one. Then, after speaking to Discover, changes their tune and tells me speak to law enforcement. 4 MONTHS LATER. 
XX/XX/XXXX discover basically says deal with the merchant. I listened to all of their instructions and gave them fair and clean proof requested and they moved the goalpost again asking for more proof or else they wont help me.
Product: Credit card

XX/XX/2023 : I purchased from XXXX ( the company ) FOR {$110.00}. 
XX/XX/2023 : I contacted the company through live chat to inform them I received my order, the flowers ( goods ), requesting for a full refund on order XXXX. I sent them photo evidence of the goods. They offered a redelivery and a coupon. I ended the conversation. 
XX/XX/2023 : I contacted the company again, hoping for a different answer. This time I indicated I was not interested in a redelivery because the occasion has passed. I was only interested in a full refund. They returned with a 50 % credit and a coupon. Again, I was only interested in a full refund, so I did not take their offer. 
XX/XX/2023 : I filed a dispute with my credit card, American Express ( the credit card ), in hopes of getting a full refund. Reference Number : XXXX. The credit card issued a provisional credit of {$110.00} while they investigated. 
XX/XX/2023 : The credit card rebilled my account and issued a letter to me. In the letter, the credit card said " the merchant [ ... ] provided documentation indicating, if product delivered was defective, it could've been denied the delivery or returned it, however no such action was taken and item was not returned. '' Flowers are perishable goods that were delivered in a cardboard box. I can not see into the box without opening it, thus, there's no way for me to return delivery. Additionally, the company did not offer to have me return the perishable goods nor agree with the full refund though their website and the product page indicated " Satisfaction Guaranteed ''. I was not satisfied. 

I have made XXXX attempts to resolve the issue with the merchant, XXXX. They were contacted via live chat, as provided with the opening of the dispute, on XX/XX/2023 XXXX hours and again at XXXX hours. In both occasions, the representative of the merchant did not request for the return of the flowers and instead, offered a re-delivery along with coupons. Additionally, nowhere on their website or live chat showed an address to return the flowers. Since the merchant has made no requirement nor expectation on the return of the flowers with their absence of a return address in any form of communication, it is a moot argument to be used to re-bill the transaction. 

The recipient of the flowers can not refuse delivery of the flowers because they are a perishable item and the box has already been opened. XXXX does not allow deliveries to be refused if they are opened. Since the flowers were packaged in a cardboard box, there is no way for the recipient of the flowers to know the quality without opening it. 

The merchant has not made good faith in upholding their promise of fresh flowers or their 100 % Smile Guarantee. Because of that, I implore you to reverse the charges on my account since they do not have a viable argument and have not kept their promises.
Product: Mortgage

Loan was service released to GreenTree from XXXX. We requested a payment history of the debt is owed from the time the loan was originated. GreenTree has stated that they do not have to provide the history to support the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid and I was informed that the account would be removed from my credit reports. 

Please remove the account my credit reports please.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items. 

Collection/Charge Off XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX Late XXXX XXXX Account Number XXXX XXXX Personal Information : Former : XXXX XXXX Name : XXXX XXXX XXXX : XXXX XXXX
Product: Mortgage

We finally got current on our mortgage payments after 2 years of conflicts and filed complaints with CFPB due to Wells Fargo admitted mistakes and admitted errors of a failed modification. 
At the end of XX/XX/XXXX, we made the final back/late bi-weekly mortgage payment in the amount of {$130.00} and our current bi-weekly payment in the amount of {$830.00}, which brought our payments current. I asked the representative to place us back on the automatic bi-weekly withdrawal for the amount of {$830.00} scheduled P & I ; instead of the minimum payment of {$830.00}. Because we had just made the payments, we asked the payment to be put back on the regular schedule before the failed modification and which we had been on for over 12 years ( The life of the loan ). This would make the next payment withdrawal XX/XX/XXXX. The representative agreed to what we thought was the final agreement. On Monday, XX/XX/XXXX, we received a letter from Wells Fargo via mail, which stated that Beginning XX/XX/XXXX and continuing each month thereafter on the same day, we will withdraw your monthly mortgage payment in the amount of {$830.00}, plus any additional principal you requested during enrollment. ( Please note that our mortgage payments have never been monthly but bi-weekly ). The letter also states that, our Preferred Payment Program option provides you with budget flexibility and convenience. 
I called, again, the evening of XX/XX/XXXX to verify my phone conversation and agreement with the representative of the agreement made to withdraw the funds on XX/XX/XXXX in the amount of {$830.00}, bi-weekly, and to refute the letter we received on XX/XX/XXXX. After speaking with another representative and a customer service representative, I was told they see what was discussed and agreed upon in the files and they also see the letter that was mailed out. The customer representative also stated the withdrawal with take place on XX/XX/XXXX. I again informed him that this was not the agreement and that the money would not be in the account. I dont have it. I asked to cancel the automatic withdrawal scheduled and we would go online and pay it on XX/XX/XXXX and will continue to do so manually. I also explained that I understand the mortgage is considered late at that point but would rather pay the late fees than the abundance fees for an overdrawn account because the money is not there. He agreed to stop payment. 
Please help us resolve the following : 1. As a flexibility and convenience option, we are again requesting a flexible automatic withdrawal payment date beginning XX/XX/XXXX and bi-weekly thereafter in the amount of {$830.00}. 
2. We request that Wells Fargo correct their records to indicate and reflect that our mortgage payments are bi-weekly and have been for the life of the loan since XXXX. Wells Fargos correspondences ALWAYS state that our mortgage payments as monthly. This mistake was a huge error in our being behind on our mortgage in XXXX ( After errors in a failed modification. Please see the previous correspondence of our complaint filed ). 

Thank you for your attention to this matter. 
XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted three disputes with Lexis Nexis which is refusing to remove the bankruptcy from my credit after providing documentation that XXXX does not verify information. 

XX/XX/2024 XX/XX/2024 XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

It was disheartening to discover unauthorized inquiries on my credit report tonight, and Im at a loss as to why theyre there. My routine credit check revealed these discrepancies out of the blue. Refreshing my browser didnt resolve the issue, as the unauthorized inquiries persisted. Im really concerned and request that the documents Ive provided be carefully examined so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of XXXX collection accounts listed on my credit report under the account XXXX XXXX XXXX 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 previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a result of the data breach of Equifax on XXXX XXXX, 2017. They mishandled my information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Also they did not notify anyone quickly enough and admit that they will not notify everyone. This is extremely unsettling.
Product: Debt collection

I am a victim of identity theft and noticed a collection from Enhanced Recovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

I received services from this company in XXXX for an extraction. I was never made aware of a bill that I had with them. My phone number or address has not changed since my visit. Today I receive an alert that they have placed a derogatory mark on my credit file. I contacted them immediately and did not get anywhere. Since XXXX I have filed bankruptcy in addition to having it discharged in XXXX XXXX. This debt should not be reflecting on my credit report. Such horrible service and business practices.