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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}, {$11000.00}, {$9900.00}, {$14000.00}, {$4600.00}, {$31000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit card or prepaid card

I have had a Macys charge card since 2019 but have not used it probably in at least a year. A purchase was made for a sale that had a large additional discount if made with a Macys card. 

When I logged into my Macys account, there was no where to make a payment. There is an Add your card portal that did not work. Attached, you can see the e-statement I was provided with a Pay A Bill option. This takes you to the same spot on the website and, when I tried to add the card with the exact information printed on the card, was given an error message. I should not have to add my Macys card information to that account anyway, but that is besides the point. 

The number on the card and statement sent me to an automated line for phone payments. The automated line also told me no account could be located with the information provided. None of the automated number options are to speak to a representative. I continued to call over the course of multiple days and eventually got in touch with a person. The late fee was waived but I am concerned about how this is being reported on my credit. Creditors not providing a reasonable means for a consumer to make a payment is contradictory to my understanding of Regulation Z. I did not neglect to make a payment before the due date, Macys made it impossible, and I should not be punished on my credit for this.
Product: Mortgage

Carrington Mortgage has refused to assist us during loan modification process. I made two trial payments and was late on the last one due to XXXX. They refused to work with me to extend last payment, they also have not credited both payments made to the account nor have they returned the payments to me after refusing to extend and instead cancelling modification. 

They have not returned numerous calls myself and HUD counselors have made to move foreclosure date and allow to continue doing loan modification. They have refused to escalate the file to loss mitigation and process the current loan modification file stating it was within 37 days of foreclosure. The paperwork sent to us clearly stated the date of XX/XX/XXXX as deadline to receive RMA and it was sent XX/XX/XXXX. They are purposely delaying and not replying or notifying us of status of modification application despite continous attempts on our side to be able to keep our home. I have included second RMA submitted to them on XX/XX/2018 that they refuse to review and closed without contacting us if anything was missing or needed to be added for consideration. We keep getting different answers about the status of the RMA. 

I am XXXX XXXX veteran, XX/XX/XXXX XXXXXXXX XXXX/XXXX, and XXXX XXXX XXXX XXXX on extended medical leave due to health issues and XXXX  for myself and my father. I am a XXXX for my elderly father who in the last year had XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX   XXXX and has XXXX XXXX  XXXX XXXX requiring continuous medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX  Balance {$2200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been contacted via the three credit reporting agencies for the last two years and also via the FTC/CFPB with no resolution to the incorrect reporting with the latest correspondence in XX/XX/XXXX/XX/XX/XXXX this year. XXXX XXXX double down on the damage it has done to my credit score, ability to get credit both personal and business not to mention the intense anxiety and angst this situation has caused me with continuing to violate FCRA laws. I am writing to Update the latest erroneously, deceptive, misleading current reporting that XXXX XXXX is submitting to the three credit bureaus XX/XX/XXXX, XX/XX/XXXX, and Equifax. XXXX XXXX issued a 1099C Cancelation/Forgiveness of debt to the IRS as well to me. XXXX XXXX is still reporting to the credit bureaus that this debt is open, overdue, past due, etc after it has already triggered an IRS event which forced me to report this forgiven amount of {$14000.00} as income. However, XXXX XXXX is still incorrectly reporting this amount as current open debt that is past due as of XX/XX/XXXX and that's impossible since this amount was reported as a forgiven debt income to me on my XX/XX/XXXXTax Return. This is a GROSS Negligence to continue to report this information as if it's active collections, currently past due completely ignoring the action that XXXX XXXX took on the account. This has cause grave harm to me and my family to continue to deceive readers of the credit file and to totally disregard Federal Credit reporting laws. XXXX 's own documentation states that collection has been discontinued and the economic detriment it has caused by the IRS reporting as it actual income was passed to me when it was not. So this situation causes additional harm via additional tax owed, inquiries on top of the negative reporting of this account as if it is a current open debt owed to XXXX XXXX.
Product: Credit reporting

I have paid off debt to XXXX XXXX. courts acct. number XXXX AND XXXX XXXX ACCT. NUMBER XXXX AND XXXX XXXX ( XXXX XXXX XXXX ) ACCT. NUMBER XXXX .THESS ACCOUNTS REMAIN ON MY CREDIT REPORT AS NEGATIVE.
Product: Vehicle loan or lease

I sent a validation letter with RRR : XXXX XXXX XXXX XXXX XXXX XXXX to the XXXX XXXX  XXXX XXXX and XXXX XXXX the CEO and in their non response to my letter they retaliated by stealing the vehicle in question. I also sent them a fee schedule and invoice for prior violations for the amount of {$6700.00}. And notified them if they stole the vehicle a extra {$50000.00} will be added to the invoice. And I am entitled to all funds the funds they have acquired from me for the past year totaling {$6000.00}.
Product: Credit reporting

I went to multiple different credit report websites trying to obtain my credit report for the first time. All sites would take me through the entire process just to get to a series of questions where I am asked, " How much is you monthly mortgage payment? '' Being that I 'm XXXX years old and just now starting to build my credit you can trust me when I say I have no mortgages. So after I click that I in fact do n't have a mortgage, the websites all tell me my report is unobtainable. I tried contacting Experian Credit Bureau by phone and could not get in touch with a real person, nor would the prompts lead me in a productive direction, which leads a very frustrated me to you. If you can help in any way it would be much appreciated. 
Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this inquiry.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge-off is considered income, and according to the FCRA, income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged-off account listed below : JPMCB XXXX After checking my most current report, the updated information stated the account was discharged and is now considered as income. This account can not be reported as a charge-off on my credit report if the account was discharged due to bankruptcy. Please send the 1099-XXXX form.
Product: Debt collection

I settled and paid this debt on XX/XX/XXXX in the amount of {$230.00} to XXXX XXXX. It reappeared back on my credit report dropping my credit score, as well as XXXX  XXXX sending or selling account to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$160.00}. This account is also showing an inaccurate amount for the credit limit that was given to me the Credit Report. I informed the credit bureau, the creditor and the collection agency of this and have asked them to remove this inaccurate account.
Product: Credit reporting or other personal consumer reports

I CANT GET VIEW MY CREDIT REPORT BECAUSE EQUIFAX GIVES ME ERROR CODE BLNK I WILL ALSO ATTACH THE SCREENSHOT
Product: Money transfers

I sent a {$17000.00} wire transfer on XXXX XXXX. It is an international wire going to XXXX bank in XXXX, XXXX receiver 's name XXXX XXXX. I am attaching copies of he wire transfer. The funds never reached it 's destination and my bank has n't been doing enough to trace or recall and find our where my money is floating around to. Please, if anyone can help let me hear back. Thank you.
Product: Debt collection

Hello! Thank you for your help. I recently received notice in XX/XX/XXXX that I have an account with XXXX XXXX  XXXX. They work with another company called RSEIH ( Rausch Sturm ). I received notice that I am going to be sued by RSEIH on behalf of XXXX XXXX XXXX. This doesnt seem right as I have no clue who owns the debt. I am extremely dissatisfied as I was not notified of this debt by XXXX XXXX XXXX or the above mentioned company that is contacting me for payment. This debt is old and is beyond the statute of limitations. In addition, the debt is less than {$900.00}. I did some research and I believe that this company is acquiring old debts and then reselling them and then trying to sue people to pay. This is not right and seems very predatory. I have even contacted the original creditor as of XX/XX/XXXX and they have no record of this supposed debt. In addition XXXX XXXX XXXX  did not provide any type of proof of ownership or any type of proof that they this debt is even valid.
Product: Money transfer, virtual currency, or money service

I am filing a complaint againt Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTC ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for reporting inaccurate and inconsistent information regarding the XXXX XXXX account ( partial account number : XXXX ) in my credit report. TransUnions reporting violates the Fair Credit Reporting Act ( FCRA ), as detailed below : Inaccuracies and Issues Identified XXXX. Date Opened : TransUnion lists the account opening date as XX/XX/year>, which does not align with the information reported by other credit bureaus. 

2. Payment Status : The payment status is listed as " Unknown '', which fails to provide clarity about the accounts actual condition.

3. Payment History : The recent payment history has blank spaces, indicating missing or incomplete data.

4. Failure to Maintain Accuracy : TransUnion has not implemented reasonable procedures to ensure the accuracy of this information, as required under Section 607 ( b ) of the FCRA.

FCRA Violations 1. Section 607 ( b ) : TransUnion is required to use reasonable procedures to ensure maximum possible accuracy in its reporting.

2. Section 609 ( a ) ( 1 ) : Consumers have the right to accurate and verifiable information. The ambiguous and incomplete data on this account violates this provision.

3. Section 611 : If previously disputed, TransUnion has not adequately investigated or corrected the errors within the required 30-day timeframe.
Product: Checking or savings account

On XX/XX/XXXX I purchase products from the company XXXX XXXX XXXX and it was a duplicate charge to my account. On XX/XX/XXXX XXXX XXXX XXXX returned one of the charges back to me. I was due to receive my purchase on the XXXX of XX/XX/XXXX. My items were detained by customs, I have that verified through both XXXX and the merchant. I filed a dispute with my bank, Chime XXXX XXXX XXXX  and the representative who started my claim filed the wrong dispute and chime approved it stating the merchant has already returned funds. Unfortunately I had to file another dispute, and when I did, chime once again approved my dispute stating the merchant returned my funds. They are all looking at the same return from the merchant on XX/XX/XXXX. Instead of them returning my funds to my account, they continuously give me the run around and promise me contact within 24/48 hours from an investigation team. After a month of me fighting for my money, I demanded answers. A few representatives did agree that there was an error made. I asked to submit a rebuttal but no one has gotten back to me. No communication no email correspondence or anything of that nature has occurred. This has caused a strain on my finances because during the time, my car was messed up and those funds would have covered my repairs and expenses and because I could not. I was unable to start my new job because of this lack of effort. Now I am not working and my account is in the negative by {$1.00}
Product: Credit card

My daughter 's dentist asked her to complete an application for Comenity for a loan to cover dental bills, but then asked me to open because she was declined. I was assured that nothing would be charged without my permission and that they were applying for amount of bills but would apply insurance first and my health savings card if i desired. I get a bill from Comenity for full amount, before services were rendered, before insurance filed, and without my knowledge, consent or permission. When i called Comenity to file a dispute, they refused to permit a dispute. They said i had to get in touch with the dr 's office. The dr 's office did not call back for weeks. I called Comenity repeatedly to get the charge taken off. Finally, the dr 's office returned my call, and reversed the charge in full. Comenity continues to report the account as having a charge 30 days past due. how could i be late in paying a charge that was unauthorized that i told them was in dispute? I have filed XXXX XXXX with each of the XXXX CRAs but Comenity confirms the reporting without an adequate investigation. I did not authorize the charge and certainly should not have any negative reporting. the tradeline should be deleted.
Product: Checking or savings account

On XX/XX/2022 Bank of America reversed the temporary credit in the amount of {$410.00} without providing me advance notice. I disputed this charge by XXXX as they did a poor job with my vehicle. I paid over {$2000.00} for paint and bodywork that took them over 60 days to complete. I attempted to pick up my vehicle on three occasions but had to leave it for further work to be completed. The last time that I went to pick up the vehicle I ran out of gas two blocks away from XXXX. After I got assistance with getting the vehicle to a service station and headed home the bumper fell off of the vehicle. 

After BOA reversed the credit I called to speak with them and asked why did they reverse the credit. They advised that they denied my claim as they spoke with XXXX and that I had the work completed. I asked them why didn't they contact me. I did not dispute the charge as work was not completed I disputed the charge because of the quality of work. 

I paid over {$2000.00} total I am only disputing the {$410.00} which is reasonable for my time wasting coming to get the vehicle and it not being ready, running out of fuel which could potentially ruin my fuel pump, and having to have someone secure the bumper. 

I am very disappointed with the way BOA handled my claim. I feel that they provided the temp credit because they are required to do so but had no intention of investigating my claim.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and identified unauthorized inquiries that persist despite my previous communication with Equifax and XXXX, requesting a reinvestigation. Regrettably, the issue remains unresolved to this day. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX On all major credit reports states I owe them $ XXXX {$290.00} This company does not accept insurance, you have to pay at the time of service in full for any treatment received. I do not owe this company or collection company any money. 
I have also previously asked for a copy of any contract, I signed agreeing to pay the additional amount of $ XXXX {$290.00}, which they say I owe.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from XXXX reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Recently I received my homeowners policy bill for XXXX. I noticed that my policy amount had increased over 10 %. I made inquiry regarding the increase, and was told that it was because of my credit score/ and credit comments. My credit score ranged from XXXX - XXXX, during XXXX. I have excellent credit scores. I was told that because inquires were made on my account, this was the reason why, my insurance policy rate was increased. I asked the person I was talking to this question! Each time companies checks my credit score or history, my credit score, is negatively being impacted. The person 's response was, " Yes ''. Why would a person 's credit be negatively impacted, simply because they are trying to find better rates of insurance on their homes, and/or autos? This does not make any sense. I could understand if a person, received credit, or incurred some type of increased debt, their score would be negatively impacted. However, simply inquiring or seeking to get better insurance rates, on their homes, vehicles, or seeking credit, should not negatively impacted, their credit scores. The system is indeed rigged. A person 's credit is dinged each time an inquiry is made, and they are dinged again, if they obtain credit, or increased debt. " What is wrong with this situation? '' Please can someone tell me why this is the case? Impacting a person 's credit, after they get the credit might be appropriate, but doing it simply for making an inquiry, is double jeopardy. I am requesting that the Consumer Financial Protection Bureau, investigate this matter. American Citizens, are having to pay higher rates for credit, insurance, and other financial transactions or instrumentalities, simply because inquiries are made into their credit history. Credit Card companies, and other institutions are receiving XXXX of dollars, because of this practice. It should be illegal, for these institutions to decrease a person 's credit scores, solely because inquiries are made into their credit history. If a person 's credit scores must be adjusted or negatively impacted, it should be done, if and only if, credit is issued ... XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... Email : XXXXXXXXXXXX Tele : XXXX ...
Product: Credit reporting or other personal consumer reports

I checked my credit report and its shwoing unauthorized inquiries on my consumer report. These unauthorized inquiries were from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries and they need to be removed immediately according to FCRA 18 USC 1028A.