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

I want an investigation with Affrim Inc as their seems to be an hard inquiry on my credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX XXXX bankruptcy. The date I filed bankruptcy was XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

The card ending in XXXX was charged off after I paid {$370.00} to bring the balance current. It was then reported to the credit bureau that the balance is {$2700.00}. The actual balance is {$2300.00}. The email I received also says that the amount owed is {$2700.00}. The payment history is also inaccurate and does not reflect the payment made on XX/XX/26 for {$370.00} confirmation # XXXX.
Product: Debt collection

AMCA I do not owe money. 
claims false information remove or delete my account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 42 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/2022 Last 4 digit SSN : XXXX
Product: Debt collection

Experian is reporting on my credit report a debt that does not belong to me. The debt is from XXXX XXXX which is a utility company in the state of Texas. I have never lived or resided in the State of Texas. My entire life I have lived in the state of California. I have contacted XXXX XXXX multiple times and they have neglected and refused to remove the fraudulent info from my credit report. The debt has impacted my credit score negatively
Product: Credit card

Hello -- On XXXX I made a purchase on my capital one credit card ending in XXXX with Walmart for the amount of XXXX. Subsequently several items were not in stock and not delivered, some items Walmart claimed to deliver but didn't, and a bunch of items were bad quaity. I provided aboundant documentaiton verbally and electronically to Capital one to help ajudicate the dispute in my favor, yet they declined it twice. I am asking you to step in and help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act, this creditor has violated my rights : Under 15 USC 1681 Section 602 states : I have the right to privacy.

Under 15 USC 1681 Section 604A section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

Under 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.
Product: Credit reporting or other personal consumer reports

What Happened? 

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX account number ending XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, XXXX XXXX!
Product: Credit card

I called the bank to dispute a Charge for Services not received, Merchant is charged me only for his Time not for a Permanent Repair done on my Truck. 
I submitted to the Bank both receipts one from XX/XX/2023, {$140.00} and another from XX/XX/XXXX {$70.00} both charges are from the same repair about a Hydraulic Hose. 
I called the Bank to initiate a Dispute and I submitted the same documentation I'm doing at this time after few days I received a denial letter from the Bank. 
At this time I would like to invoke : " The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. The Act provides consumers with protection from unfair billing practices such as : *Charges not authorized by the consumer* Charges with the wrong date or amount. CHARGES FOR GOODS OR SERVICE THAT WEREN'T DELIVERED. 
So in this charge Applies under the Fair Credit Protection Act what I reported to the Bank to dispute services not received. The Bank Should disputed with the Merchant Bank to get my money Back.
Product: Credit card

I would like to file a complaint against American Express Credit Card. I used them to make a purchase with floorstoyourhome.com, in the amount of {$1800.00}. 
American Express does n't stand behind their customers. We installed the flooring, but it buckles up. The retailer sent out his inspector who said the reason, because the subfloor is not even. When their inspector was here he never removed the floor to check out the subfloor. Did n't remove any moldings and came back with a false report. I hired XXXX independent contractors to do inspection. Both said the problem is not the subfloor. It is the merchandise, because the locking mechanism is defected. Finally I could talk to a customer service representative at XXXX XXXX ( the manufacturer of the wood floor ) who said the reason we are having a problem, because the underlayment what the retailer sold us is not compatible with the floor. XXXX XXXX even e-mailed me out the installation requirements, what they provide to all retailers. I forwarded that document along with the purchase receipt to Amex, which shows that floorstoyourhome.com sold me the wrong underlayment. I sent all the documents to American Express and they denied the dispute. They told us they are not even going to look at the proofs, pictures and documentations from our side. They are only talking to the retailer. The retailer only provided his inspector 's report and American Express accepted it as is. They did n't honor the other XXXX professionals inspection reports, the pictures and the manufacturer 's letter with the installation requirement. This is not fair that I have to pay for defected merchandise with the wrong underlayment. Also this cost me more since the floor had to be installed, I had to pay for the inspectors, we need to pick up the floor and underlayment and reinstall everything with the right underlayment. I did n't even counted the precious time I had to spend to arrange everything, communicate with Amex, all the letters, pictures, phone calls. 
Please look into this very serious and delicate matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX- Loan Amount {$560.00}, XX/XX/2020.

# 2. XXXX XXXX -Loan Amount {$420.00},XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX- Loan Amount {$0.00}XX/XX/2020 # 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00}XX/XX/2020.
Product: Debt collection

Prince Parker and Associates reported a negative trade line on my XXXX XXXX credit report on or about XX/XX/XXXX for {$190.00}. 

This was for a co-pay for XXXX XXXX XXXX XXXX XXXX, a medical provider. 

I had no clue I owed this bill. My credit was 850+ FICO score before this scumbag collection agency poisoned my report. 

Apparently, the original creditor was sending notices to my old address. I spoke with XXXX at XXXX XXXX and he confirmed this. XXXX also spoke to XXXX at Prince Parker & Associates and confirmed notices were being sent to my old address. 

While I have zero qualms with paying what I owe, I was never given the statutory right to dispute this debt and when I tried to resolve it today ( XX/XX/XXXX ) and spoke with XXXX at the agency she basically hung up on me refusing to delete the incorrect trade line. 

The problem is I changed my address with XXXX XXXX when I moved and due to their error they never changed it in their system. They as much acknowledged this. 

Now, I am in a point where I will have to hire legal counsel to sue both the practice and the collection agency if this is not immediately removed. The FDCPA as well as numerous state statutes were violated by not allowing myself time to make good on this debt I didn't even know. False reporting and threatening and communicating knowingly false information to a consumer reporting agency is actionable in court and I will not hesitate to sue the collection firm for how I was treated when they could have done the right thing.
Product: Debt collection

I sent two letters on two separate dates disputing debt to the debt collector, asking debt to be verified ( see attached documents ). Initial letter sent was sent on XX/XX/2023, sent certified to collection company regarding three accounts listed with account numbers on letter. The collection agency sent me an unsigned copy of a generic credit contract the company uses ( see attached ) and pages of credit card statements to an address that does not belong to me for all three accounts. I then sent a follow up letter on XX/XX/2023 certified return receipt demanding the collection agency send me verification with my wet signature and proof this is my debt, and the agency sent the same documents as was sent prior. In addition, I have asked the collection agency to cease from further collection actions, removal of debt from credit reports since the debt has not been properly verified under the CFPB rules. I urge you to please review the attached documents and assist me with the removal of these accounts on my credit report. I appreciate any and all assistance you are able to provide.
Product: Credit card or prepaid card

XX/XX/XXXX Purchased a XXXX XXXX XXXX through the chase ultimate rewards portal. I was give 4-7 days estimated shipping XXXX the item had not shipped so I called Chase to cancel the phone as it would not get to me in time. 
XX/XX/XXXX I received an email that my shipment was delayed. 
XX/XX/XXXX received an email that my item had shipped. 
XXXX received at some point between XXXX ( I was out of town XXXX XXXX I called chase to return the XXXX that I had cancelled and them informed me I needed to call the Ultimate rewards team for a return. 
spoke with the ultimate rewards team and they would not accept my return. 
XXXX  I spoke with Chase supervisor and they said there was nothing to be done. They let me know they see notes from when I called to cancel the phone but they did not process that cancellation request until after the phone had shipped. They informed me that a letter would be coming explaining this. 
XXXX I received a letter from Chase dated XX/XX/XXXX letting me know they were unable to cancel the phone because it had already shipped on XX/XX/XXXX.
Product: Student loan

I was a student of XXXX XXXX XXXX from XXXX to XXXX. I was included in the discharge of all my Federal Student loans in XXXX due to the ruling that XXXX had deceived students and trapped them in high interest loans and fraud. I have XXXX outstanding Private loans around {$17000.00} that should also be discharged. This was ruled and considered to be fraud. I should not have to pay these private loans as no valuable goods or services were provided. Any accreditation I received from this school has absolutely no meaning or value. No other school or employer recognizes this as a valid certificate or accreditation. It is essentially theft by the school and loan servicer. I refuse to continue paying on these loans. The loans are shown to be owned by XXXX XXXX XXXX XXXX. There is no way to contact XXXX since they have once again sold or moved my loans to a company called Mohela now. I am requesting a School misconduct application for discharge for these loans.
Product: Checking or savings account

WF froze my checking account due to problem with a suspected fraudulent deposit to my savings account. All my funds were frozen & WF even terminated my credit card account with them. I was not at fault for the issues I was having and they WF, terminated myover 15 years banking relationship
Product: Debt collection

I recieved a notice on XX/XX/XXXX the documents stated that a wage garnishment had been filed against me by Rausch Sturn LLP from a creditor named XXXX XXXX, XXXX. XXXX XXXX. XXXX with the total amount owed listed as {$3000.00}. I did contact the debt collector to dispute, as this debt was not mine. The date of judgement was listed as XX/XX/XXXX. I have never recieved any communication from this debt collector or the creditor on file. 

When I contacted the company on XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX. She stated that I could have one of their attorneys call me back to discuss the debt but they had already filed for garnishment on XX/XX/XXXX and that disputing the debt would not stop collections from my paycheck. I insisted this must be a scam or something because at what point does any collection agency have a justifiable right to take money from someone's check without any prior notice whatsoever, especially from a judgement they claim is from almost 15 years ago. I had no notice of any court proceedings, or any information besides this notice I recieved today on XX/XX/XXXX.
Product: Debt collection

The full balance was paid in Full for the purchase of a XXXX. The payment was made by check and in one payment. We made it very clear to the lender that we wanted to pay the balance in FULL and have a {$0.00} amount to owe. I received another bill for XXXX the next month. I called and spoke to the account handler through XXXX and they said it was a mistake and would have it removed it was a computer/system mistake that automatically went through and was charged to my account and they had simply failed to remove it, it was a mistake and they would take care of it. I received a bill with XXXX late fees the next month and it kept adding up for 12 plus months. After calling customer service through Bowflex I was informed to send proof of payment in full. I sent XXXX a copy of the transaction from the bank account in which the money was taken out to pay the balance in full, Now this collection company keeps sending me a bill for {$340.00}. I spoke to a lawyer and told me not to pay it, because I had already paid the balance in full and the only other payment amount I could be responsible for would be the one month late fee of {$28.00}. even though the company acknowledged that to be a computer mistake. What can I do to get this taken care of. Thanks XXXX XXXX phone XXXX email : XXXXXXXXXXXX
Product: Credit reporting

please remove this information off my XXXX equifax and XXXX report address on my report do not belong to me and
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Address Dispute and Breach of Personal Information Dear Equifax Dispute Resolution Team, I hope this message finds you well. My name is [ Your Full Name ], and I am reaching out to address a critical matter regarding my personal information that has been breached, compromised, and fraudulently used by a former employee. 

In support of my dispute submission, I have attached the necessary documents through the Equifax XXXX XXXX, as per the outlined procedures. Regrettably, I must express my deep dissatisfaction with the lack of fairness and attention my case has received from Equifax. 

The specific concern at hand pertains to the inclusion of an address that is inaccurately listed in my file. This address, a po box , is not only outdated but also fails to reflect my current residence. It is crucial to emphasize that I neither receive mail at this po box noXXXX is it representative of my current address, which I have owned for over XXXX  years. 

Equifax 's failure to promptly rectify this discrepancy has not only compromised my standing as a consumer but also as a creditor to my estate. Given the urgency of the matter and Equifax 's apparent negligence, I am left with no recourse but to consider legal action if the inaccurate address is not promptly deleted and amended to reflect my accurate and physical residence. 

I trust that Equifax will address this matter with the urgency and seriousness it deserves to avoid further legal implications. 

Thank you for your immediate attention to this pressing issue.
Product: Credit reporting or other personal consumer reports

I am formally disputing the reporting of delinquent student loan payments on my credit report. My student loan servicer failed to provide proper and timely notification that my loans had exited forbearance, resulting in incorrectly reported delinquencies that have significantly impacted my credit score.

Upon reviewing my credit report, I discovered that my student loans were reported as 30, 60, and even 90 days delinquent, despite the fact that I was never notified of any payment due. I did not receive any emails, phone calls, or mailed notices informing me that my forbearance period had ended. Had I been properly notified, I would have taken immediate action to prevent any negative reporting. 
Under the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, loan servicers are required to ensure that reported information is accurate and to provide borrowers with reasonable notice before taking adverse credit actions. In this case, I was denied the opportunity to make payments on time because my servicer failed to communicate this critical information. 

Due to actions taken by XXXX, my credit score experienced a decline of XXXX points in XX/XX/XXXX following 5 accounts from the XXXX. of XXXX being reported 120 days past due as of XX/XX/XXXX. It is important to note that my current email address was not used in this process. XXXX is aware of my current email address, as I have previously received correspondence from them in XXXX, which was unrelated to repayment matters.
Product: Mortgage

Wells Fargo basically gave us payment deferral that was not necessary, we have continued to make payments and do not want this to reflect on our credit score. We didn't ask for this relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, accouXXXX 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  AND XXXX BANKRUPTCY has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate, an account that was file on bankruptcy has inaccurate dates, the balances are wrong and etc. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX XXXX on my credit report is showing charge off when this account was paid in full. I have had to do my own research in making attempts to clear this up and there is no contact information made to the consumer. The contact information on my report with all three credit reporting agencies is as follows : Contact XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This is XXXX credit card services phone number however, XXXX credit card services does not facilitate the card there is an address that you can write to which I have however, the company consistently has NOT responded and the consumer is unable to contact anyone that can directly assist in correcting data that is being reported on credit reporting documents falsely. This was a credit building card taken out as recommended by XXXX and Equifax. This company XXXX XXXX does not serve their consumer fairly. This account was paid in full years ago and closed by the consumer. This was done in a phone call to XXXX XXXX XXXX. through a branch of XXXX XXXX XXXX ( https : //www.cardworks.com/ ). When trying to speak with XXXX XXXX they circle you back to XXXX credit card services and it goes back and forth. NO ONE HAS AN ANSWER! This business is run as a " boiler room '' type of business if you will ; hacking up consumers credit profiles. There is no direct access to these business for the consumer. Therefore the consumer is left making attempts to clear up their account for months which is becoming disabling.
Product: Credit card or prepaid card

I complained of a {$650.00} fraud on my AMEX over a former friend using my card to pay some professional registration fee. This complaint was denied multiple times, I escalated the complaint to fraud and AMEX voided my card then never sent me a new car ( although they swear they did ). 
I wasted dozens of hours on their website messenger and speaking to customer service. I've been called back at XXXX and the insulted when complaining because 'AMEX is a global company ' yet nothing has been addressed with my complaint that they gave me multiple promises to recalculate the statement but refuse to follow through. 

I'm tired of being sent threats by txt and email to report my 'failure for payment ' to the credit bureaus... 

Yet XX/XX/2022 a 'supervisor ' acknowledged there was a miscalculation and promised to have the adjustments addressed. This has yet to happen. 

Some AMEX representatives hang up on me, some pass me managers who are unhelpful. Some want to help but tell me conclusions inconsistent with prior conversations. Al of them want me to explain the sam3e story again and again and again. 

I was on auto payments for years covering the monthly expenses to a personal account. I still have no idea why AMEX will not just recalculate and explain how, based on their provided statements, a fictitious {$650.00} just reemerges on my account... 

And that is why IU will never do business with AMEX again. Perhaps the CFPB can hold them accountable, because I need a clear itemization before I believe I owe anything else to this company that clearly doe not value my years of loyal buissness.