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

On XX/XX/2020, I opened a billing dispute with my credit card company regarding a merchant that had not refunded by account for a return, despite several attempts by me to facilitate the processing of the refund. This is a high value item ( {$1700.00}, transaction date XX/XX/2020 ), and given the difficult economic conditions we all find ourselves in, I had serious concerns about the status of this refund, and whether I would ever receive it. 

I have provided ample evidence that the item was received by the merchant ( which I will submit again here ), yet the merchant continues to refuse to provide a credit in a timely fashion, only giving assurances about a forthcoming refund that to date has not occurred. 

For this reason, as said, I opened the billing dispute with American Express and advised them of this situation in some detail. I further provided the return tracking information ( attached here as well, item received on XX/XX/2020 ), as well as the company 's own several confirmations ( also attached here ) that the item was properly received and that a credit was forthcoming. 

However, despite the clear preponderance, in fact, mountain of evidence in my favor, AmEx refuses to issue a provisional credit for this amount, which, in my view, suggests a clear bias in favor off the merchant during this investigation. In the absence of any documentation from the merchant justifying their failure to issue a timely credit, there is no justification for requiring me to carry this balance on my card ( even if interest does not accrue ), which has an impact on my credit score and is therefore of great importance to me during these times. 

I can only assume this decision is because of a commercial relationship AmEx has with the merchant, that AmEx has taken this stance. While I understand that a provisional credit is not permanent, any fair-minded reviewer of the evidence to date must agree that I have well-established my case. I do not believe AmEx therefore is acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ), and therefore I am fearful of the eventual final outcome as well.
Product: Vehicle loan or lease

someone purchased a vehicles using my information i did not authorize nor did i sign any paper works and also taking a cell phone using my name without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 -XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to ask the CFPB to open an investigation so AMERISAVE MORTGAGE does not continue to evade its responsibility to respond to small claims filed by consumers. I am going through a very stressful time with AMERISAVE MORTGAGE. I filed a small claim against this company, which is reporting the accounts involved in this matter. 

The case I filed is based on several violations that AMERISAVE MORTGAGE has committed : 1 ) I visited XXXX on XX/XX/2022, to make my XXXX payment and completed my payment. I think went about my business and tried to log in to make an extra payment but found that my online account had been locked and I could not access my account. I called the mtg company and was told there was an outage. At the time I was not told my payment was late 2 ) Later the next month I got an alert from XXXX that my payment was late. I think proceeded and immediately made the payment. 
3 ) I never received any communication from the mortgage company regarding the XXXX payment not being received. 
a. I didnt receive mail indicating a missed payment. 
b. I didnt receive any phone calls regarding XXXX payment being late or not received. 
4. I called and spoke with customer service the exalted rep in the collections department XXXX informed me that my phone number had been marked as unknown. While the system indicated calls had occurred, they actually hadn't. She said that there is an autodialer but when a phone is marked as unknown the calls dont actually go through. This would explain why I dont have any record of calls from Amerisave nor did I receive any voicemail whatsoever regarding the XXXX payment not being received by Amerisave. 
I didnt receive any Emails indicating late payment. 
5. I asked for the website system log and none was provided to me. 

I am attaching the proof of the filing.
Product: Credit reporting or other personal consumer reports

It has come to my attention that the credit Bureaus are not removing files when I sent with an FTC fraud report since it is required by law 605b of the FCRA. If you do not remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal action. I prefer to avoid legal proceedings, so please comply with the law. 
Please remove the following items, as they are fraudulent and were opened without my consent or knowledge : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Checking or savings account

Unauthorized debit transactions on an Able account for my XXXX son : First Occurrences ( card activated via phone and stored in home safe. Never used online or at a store ) - XX/XX/2023 and XX/XX/2023 charges were made, {$3.00} each to XXXX XXXX XXXX XXXX, Georgia. Contacted Fifth Third Bank. They temporary reversed the charges and opened investigation. 

Card cancelled and re-issued. Second card activated via phone and used only once legitimately to buy shoes on XX/XX/2023. ( Card has never been used online. ) Second Occurrence - Three charges plus foreign transaction fees to XXXX ( {$100.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and an XXXX charge on XX/XX/XXXX. All three also have foreign transaction fees ). Fifth Third Bank has opened an investigation. 

My concern is that Fifth Third Bank is not taking strong steps to correct their problems with debit card information. Their response has been to blame it on online bots " guessing '' the card number, date, name, CVV, and expiration date. They also sent a letter encouraging me to sign up for " fraud protection '' with monthly fees.
Product: Bank account or service

On XXXX I went to Chase branch XXXX to re deposit a check in the amount of {$17000.00}. I did the deposit tru the teller who gave me a receipt and say check was verify and no hold was placed, so money was available for use the next day. Teller name XXXX. On Saturday, XXXX XXXX, 2015, I went to another Chase branch XXXX that I was closed by and i decided to withdraw $ XXXX, the teller was ready to release my withdrawal but it was her limit so she asked her manager for approval and the manager she started reviewing my account and make the teller to call the XXXX. They say they can not verify check and I was not given or neither serve notice of funds to be held. So I belief Chase bank to be penalized for the illegal practice and they should pay a fine to me the consumer for pain and suffering. We are ready to prepare a civil lawsuit if this matter do not resolve ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an account with LexisNexis about bankruptcy on my credit reports and they responded but failed to update now I'm unable to contact them via phone, email, or their website chat. I have attached the letter that they said they would send to me and to the credit bureau so they could update the letters. I'm getting really aggravated with this mess they have created for me and trying to settle this before contacting the attornies general 's office. They asked for information to verify my account and still failed to update the correct address as you can see on the letter that I attached they emailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get things off my credit report and it isn't working so I demand these inquiries off : I have tried for so long. I am the consumer and I demand all of these inquires off my report. It is against the law to report on my credit with no consent : 15 U.S.CODE 1681b. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX and Transunion both failed me. After noticing incorrect information on my reports, I attempted to resolve. They've consistently done nothing. This includes no investigation, taking over 30 days for failed resolution, fraudulent inquiries, missing accounts, terrible customer service, and lack of contact. After being a victim of fraud, with a police report and FTC document, I filed disputes for inquiries I hadn't done. They both failed to remove fraudulent inquiries, research my issues, or care. Now I'm losing more money and time because, I just payed a {$10000.00} retainer to sue both bureaus for defamation, breach of contract, and intentional emotional distress. This is tiring. They sent irrelevant follow-ups that didn't address any of my concerns.
Product: Money transfer, virtual currency, or money service

I sent by registered mail, a letter to JP Morgan Bank on XX/XX/year> for which I haven't received a response from them. 
The letter outlined concern of fraudulent transaction to XXXX XXXX XXXX XXXX XXXX XXXX. 
I sent funds to a bank account at JPMorgan Chase bank following the instructions from Fiatvisions who are conducting as a scam. 
A total of {$110000.00} CAD from my XXXX account was sent to a bank account XXXX JPMorgan Chase Bank. The beneficiary of the transactions is XXXX XXXX XXXX XXXX who provided me no services or goods in exchange for this money. I request Chase Bank to verify the transactions at their end and reverse the fund to my bank account as the money belongs to me and was taken from me through manipulation and faulty advice.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved. In WELLS FARGO terms and conditions they agreed not to share my personal nonpublic financial information with non affiliates. XXXX, XXXX and XXXX is not an affiliate of WELLS FARGO nor a " bureau '' as they have stated. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. In reference to the Wells Fargo Account # XXXX. I wrote Wells Fargo a letter informing them of their inaccurate reporting of an account on my consumer reports. Wells Fargo is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Wells Fargo ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Wells Fargo ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency such as XXXX, XXXX, and XXXX if the person knows or has reasonable cause to believe that the information is inaccurate. The IRS Clearly defines a charge off/Canceled debt as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from WELLS FARGO for the cancelled debt of { {$3400.00} } in order to file as ordinary income. Where is my 1099-C Wells Fargo is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! Wells Fargo has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

False reportimg on late paymenta to all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all reportimg late payments an is false an i would beg for help removing them from XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY KNOTICED A MEDICAL COLLECTION ON MY CREDIT REPORT. 

XXXX XXXX XXXX, I HAVE REACHED OUT TO THE CREDIT REPORTING AGENCY DUE TO VIOLATION OF LAW. ON XX/XX/XXXX, I CERTIFIED BOTH COMPANYS REGARDING THE MEDICAL COLLECTION OF {$1000.00}, THAT HAS NOW A DUPLACATE REPORTING. MY RESPONSE WAS THE FINDINGS IS ACCURATE FROM THE CREDIT REPORTING AGENCY. 
. 
I do not recall giving permission to for any facility to release my medical information to a third party. 

I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is two-fold and as follows : I ALSO REQUESTED THEM TO provide a copy of my signature with the provider of service to release my medical information to THEM. TIME HAS PASS AND NOTHING STILL THIS ACCOUNT NEEDS TO BE REMOVED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to Transunion, XXXX and XXXX back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.
Product: Credit card or prepaid card

First, I apologize this may not be the correct place to ask this question, but we can not find the answer anywhere.

Several weeks ago our customers ' purchases starting getting declined by one credit card company, Capital One. After several days we realized this and suggested the customer 's call Capital One for additional information. However many call us back saying the Capital One call center agent told them they are not blocking the purchase.

One customer conferenced in Capital One while on the phone with us and a manager was brought to the phone. She did verify that they no longer allow the card to be used to purchase our product - we are a XXXX XXXX - although we are selling a legal product.

Of course we realize Capital One has the right to bar purchases but aren't they required to educate their staff about changes and inform the customer?
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of a Personal credit card account opened at First Progress on XX/XX/XXXX, under the account number ( XXXX ), A personal loan from Money lion opened on XX/XX/XXXX, under the account number ( XXXX ), A loan from self-opened XX/XX/XXXX, under the account number ( XXXX ), A loan from XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted multiple fraudulent closed, charged off, and collection accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX I live in XXXX, Ohio and someone has opened a credit card using my identity without my permission. It is for-sure identity fraud and Id like it investigated immediately and closed. Ive never opened an account with XXXX XXXX XXXX or an affiliate with that establishment. I only have a XXXX  card and XXXX XXXX  I opened recently. The card was opened on XX/XX/XXXX and the last activity was XX/XX/XXXX. I repeat Ive never opened a card with that company or affiliate. Im beyond terrified I hope my identity doesnt get compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

i attended the XXXX XXXX XXXX XXXX as XXXX  candidate from XXXX - XXXX and my undergoing thesis revision and examinations until XX/XX/XXXX ( as XXXX student ). I just got the Student Exit forms from the XXXX in XX/XX/XXXX. I have not worked full time since full time studies and examinations and have deferred my repayment viz either still academic status, job search, unemployment and financial hardship. My prior credit history for XXXX and Dept of Education loans should be corrected, re-reported and compliant for reversing negative credit scores / FICO   reduction should kindly be instigated for all XXXX  and Dept of Education loans loans prior to this month back to XXXX. However there are periods were my deferrment or forbearance was not reflected, and showing past due amount when I only exited the XXXX in XX/XX/XXXX. More recently there are several past months showing past due default status.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

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 instruction.

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 others adverse item of information, other than records of conviction of crimes which antedates the report by more than seven year.

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: Debt collection

i have contacted them about reporting a debt of {$600.00} on my credit report and why and who are they and they state that i had account with them for a company named XXXX XXXX XXXX XXXX. i don't have a company call that nor do i own or run a company. i have sent all for there credit bureau numerous 609 letter to investigate this back in XXXX and they sent me back a paper stating it was a valid account i also sent them numerous 611 letters and still cant get anything showing that this account was indeed valid. i have been get threatened phone calls stating that i will be arrested and sued and there are going to continue damaging my credit report, they have humiliated me in every way possible by called my job and also my family letting them know about this situation.
Product: Credit card

My Ford credit card through XXXX XXXX XXXX Credit card company was " LOCKED '', which was fraudulently used for a online purchase I did not make on XX/XX/year> to XXXX XXXX  reference on statement XXXX. Ford company credit card does not answer the fraud customer service line and also no way to report fraud on their website, so I emailed them directly. It was my understanding the Ford dealership XXXX was in a data breach, and this is part of it. I never received any documentation form Ford. This was just heard through the Ford dealership. I would like explanation from Ford on why this happened and to remove the XXXX charge on my credit card that was LOCKED!
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX, AND XXXX ARE REPORTING FRAUDULENT INQUIRIES FTC AND OTHER DOCS ATTACHED SHOWING THE FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported a delinquent account on my credit for the amount of {$750.00}. Before I paid the account it was charged off to another company, TrueAccord. TruAccord reached out to me offering to settle the account. I paid TruAccord {$520.00} on XX/XX/2020. I was told that they would notify XXXX XXXX who would then remove it from my credit. After a month I called XXXX XXXX  to check the status and they told me that they had not received notice from TrueAccord that I had settled the account and that I should call them. I called TrueAccord to get the process moving and after 1 month and several calls I was informed by TrueAccord that they had given the information to XXXX XXXX. XXXX XXXX still claims that they have received no such notice. I have been calling for months and am always told that the issue going to be escalated, and when nothing happens I call back and it seems like the first time they are hearing about it every time. I have disputed the account several times and it always comes back as the information being correct. I dont know where to turn to fix this issue, but neither companies are even attempting to fix the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$6000.00} XXXX XXXX : XXXX -- -> : {$1000.00} XXXX XXXX : XXXX -- XXXX : {$4500.00} XXXX & XXXX XXXX CO : XXXX -- > {$13000.00} XXXX XXXX XXXX XXXX : XXXX -- XXXX : {$1100.00}