23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

THIS IS NOT A DUPLICATE REQUEST DO NOT DELETE THIS COMPLAINT!! I have some new information on this issue from XX/XX/2021 when I registered a dispute on charge with Chase. Chase is standing on the fact the merchant XXXX XXXX in XXXX, CA stated that no refunds after 30 day of purchase but because XX/XX/2021 was a short month and we tried to return the flooring on XX/XX/XXXX which is the day I called to register dispute with Chase, we were STILL in the timeframe for returns! So Chase has no reason to not side with myself instead of merchant. XXXX XXXX state right on their receipt within 30 days which we tried to do and they refused to accept for NO REASON. Chase stated do I have proof that I didn't pick up product on XX/XX/XXXX when purchased, even if I did ( I didn't ) it was STILL in the 30 day timeframe!! 
I want Chase to look back at everything and see that everything I am stating is correct and I was in the timeframe so XXXX XXXX has NOTHING to stand on!
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Complaint filed, XXXX company agreed to fix problem. They failed to do so on the one bureau that counts XXXX. Once again another deceptive act on behalf of Comenity bank. There were no late payments in fact paid early.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$400.00} transferred to XXXX XXXX which was supposed to be a deposit for a dog. However no dog was ever received. I contacted Bank of America that this was a scam but nothing was done by the bank and the case was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Equifax Information Services LLC, I am writing to address the inaccurate, unverifiable and invalidated information in my consumer file which is in direct violation of the Fair Credit Reporting Act ( FCRA ). This letter serves as my final written offer of settlement before litigation as an attempt to amicably resolve the issue. 

According to the FCRA, I have the right to verify the accuracy of my report when it is required for employment purposes, receive notification if information in my file has been used against me in applying for credit or other transactions, dispute information in my report that is incomplete, inaccurate, and unverifiable, and remove outdated, negative information after a certain number of years. 

However, the unverified items listed below still remain on my credit report, which violates federal law. Under the FCRA, you are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. You have not provided me with a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' I demand that you delete the following items immediately as they are either inaccurate, unverifiable, or invalidated : XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX Account Number : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately! 

The following personal information is incorrect DATE OF BIRTH : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

The following personal information is incorrect DATE OF BIRTH : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please note that failure to comply with this offer of settlement may result in formal complaint to the Federal Trade Commission and litigation under Section 616 and Section 617 of the FCRA, which may entitle me to relief and monetary compensation. 

I expect your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 sectiion 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 ir has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I dont know what happened I need that balance off my credit immediately thank you
Product: Checking or savings account

I am a victim of Identity Theft. The accounts that. Opened without my permission. This is against the federal law dispure box : 3. Yourl see all the negati " According to FCRA Section items saying " Potentially : 605B it is illegal to report anything on my credit negative report without my 6. For the reason select permission. 
Please remove this negative Please see XXXX report and a copy of the federal law 605 B
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I have problems, taking money out my account and using my card the money had disappeared from my account
Product: Debt collection

I trust this letter finds you well. I am writing to you as a valued customer to address a matter of concern regarding the late payments recorded on my account. I have recently noticed that there have been late payments recorded on my account. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX customer service representative. I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30 day late payment that is not correct and 2 inquiries I did not authorize and Most importantly a chapter XXXX bankruptcy that I did not file
Product: Checking or savings account

On XX/XX/2019 Wells Fargo responded my complaint regarding never paid promotion bonus {$1100.00}, fraudulent checks {$750.00} as well as other claims caused by XXXX XXXX XXXX county State of XXXX   {$120.00}, {$140.00}, {$45.00}. Never received tax refund due to wrongful termination of my accounts by slander. I have contacted Wells Fargo Resolution Team at XXXX and XXXX by speaking with XXXX twice on XX/XX/2019 and XX/XX/2019. She refused to pay. I also sent three emails to both CFPB and Wells Fargo asking for payment. However I tried my best, but so far Wells Fargo still ignore all claims referenced above. I have no choice but to take action again for debt collection. See attachments.
Product: Credit reporting or other personal consumer reports

I have several complaints and in light of the DOJ suing Experian it explains why I have not received a fair resolution.
Product: Credit reporting

On or about XXXX/XXXX/16, I wrote a check to retailer, XXXX XXXX, which was denied by the retailer. I was told that I would have to contact Certegy directly which I did within a few days of the declined transaction. I was told that I could only be given limited to info over the phone and I had to disclose personal confidential info, e.g., banking info and driver 's license, to them if I wanted a written a response of why the check was declined for processing. I received a response about XXXX which stated the check was declined because " This transaction fell outside of the guidelines Certegy has established for authorization and the second time check was through the same date and time that authorization was declined because " Certegy did not authorize this transaction because our records indicated that the same check or payment had been submitted to us before, and authorization had been declined. '' See first reason check was declined. 

I spoke with a Certegy agent on XXXX for an explanation of why my check did not satisfy their " guidelines '' and was told that said info was proprietary and could not be disclosed. I responded then how would I be able to prevent the embarrassment from having another check declined for authorization if I have no info to cure the alleged defect that does not meet their guidelines. I was not given a responsive answer to this question.
Product: Mortgage

I need access to my property, for a realtor to appraise the home for a short sale. The mortgage company OCWEN will not talk to me, as they have pass the debt to a collection agency XXXX XXXX, XXXX. The collection agency will not ask the mortgage company for the name of the company I need to call to get the key. I ca n't get the process to move forward with out the appraisal, yet they both want payment.
Product: Mortgage

In 2005 we were rushed through a mtg refinance and were never made aware of adj rate mtg. In the last 3 yrs denied refiance with Bank of America as we were under water on the loan and not Freddie or fannie backed so do not qualify for gov ref programs. BOA lost lawsuit, atty general said set aside $ ( in XXXX ) & help cust with unfavorable mtgs. They have refused and set me up for mod which we denied due to pymt were XXXX from original amt that we were struggling with, so XXXX pymts are impossible. BOA refuses to give us better pymts & lower int rate. Per US Legal BOA is violating court order. We want to retain home. not interested in short sale or deed in lieu, which was explained to BOA. BOA does not respond to e-mails they hav to send via portal which does not work on computer & their rep said it does not work on all comp, yet refuses to send because not secured. Have to answer ton of question to verify identy before they will talk to you very frustrating, they only need XXXX piece of info for validate. They are not lowering pyments or interest and CEO does not call or answer mail send directly to him. WE have defaulted on credit card payments to try to make mtg pymnts. Offer of mod in XX/XX/XXXX/XX/XX/XXXX was denied & BOA has not restored payment to original amt, we denied with several representatives & told denial will return pymts to original amt never happened. BOA has done XXXX drive by appraisals & all different values XXXX done by same person. Home is worth more than appraisals & appraisals are not correctXXXX is more than appraisals. Our loan is not Freddie or Fannie backed so do not qualify for gov mtg programs. Per US Legal BOA sets customers up for failure so they can foreclose.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

Inaccurate Numbers : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Inaccurate Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. SINCE THEY AFFECTING MY OPPORTUNITY TO OBTAIN CREDIT.Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about an unauthorized credit inquiry conducted by XXXX XXXX XXXX on XX/XX/year>, during my recent interaction with XXXX. 

Despite not providing explicit consent for a credit inquiry beyond the terms of my agreement or prequalification offer, XXXX XXXX XXXX proceeded with an inquiry. 

To address this issue, I request the following actions : Verification of Authorization : Please conduct an investigation and provide documentation demonstrating my authorization for the credit inquiry conducted on my behalf. This should include any signed agreements or consent forms related to the inquiry. 

Removal of Unauthorized Inquiry : If it is confirmed that the inquiry was unauthorized, I request the immediate removal of this inquiry from all major credit reporting agencies ( Equifax, XXXX, XXXX ). 

Enforcement of Consumer Protections : Ensure that XXXX XXXX XXXX complies with consumer protection laws regarding credit inquiries. Require them to implement robust procedures and training to prevent unauthorized credit inquiries in the future. 

Restitution : As compensation for the inconvenience caused by this unauthorized inquiry, I request consideration for restitution, such as reimbursement for any associated fees or a suitable resolution that addresses the impact on my credit profile. 

I appreciate your prompt attention to this matter and request regular updates on the progress of your investigation and resolution of this complaint. Please contact me at the above-mentioned phone number or email address if you require any further information. 

Thank you for your assistance in addressing this issue. 

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

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$20.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX XXXX XXXX : {$390.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX : XXXX XXXX XXXX ARKANSAS XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXXXXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. XX/XX/XXXX 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions. In response to cfpb case XXXX. On XX/XX/XXXX the case was close due to the response of the company CREDITORS BUREAU ASSOCIATES. The company respond that the accounts in collection were validated and put on a monthly payment plan for XXXX USD a month. The first payment having been received on XX/XX/XXXX. Attached are the documents from the original creditor validating the debts in collections. The debts is not mines.
Product: Credit reporting or other personal consumer reports

recently I look at a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not notified of any findings or validation that I own this debt. I have sent numerous letters requesting validation of their findings. Never received any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

This Account # XXXX is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, XXXX income and you must file a XXXX As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. 

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2019. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed someone tried to get credit in my name and noticed inquiries on my credit report that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a brand new XXXX phone XXXX of last year. I used XXXX financing through TDRCS ( TD Retail Card Services ) to purchase the phone. I did not like the phone so I returned it through XXXX during the manufacturers allotted window. XXXX was late in crediting the account and as a result I was incorrectly assessed late fees. I was sent a letter from collections at TDRCS stating I owed money. I was told by XXXX that everything was taken care once I submitted my phone back and they credited the account. After talking to TDRCS collections about the situation they told me I had to file a dispute with TDRCS customer service, a different office. I filed a dispute in early XXXX. TDRCS has reversed the charges because they have sided with me but my credit score was dropped more than 70 points for the unpaid late fees. I called customer service and they told me to file a dispute with the credit agencies and they couldn't fix it despite them reversing the charges. I was incorrectly assessed late fees and then my credit report was hit with unpaid charges after XXXX credited the full amount back to TDRCS.