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

I am the owner of XXXX XXXX, an event company that books tickets for Broadway shows, concerts, etc My business was shut down due to Corona. I had a large balance with American Express XXXX at the time, due to inventory purchases for future events. I knew most would be refunded as the events one by one began to get canceled. I tried negotiating with Amex based on this, requesting a credit on the estimated refunds, but they would not listen and they went ahead and filed a lawsuit. 
I ended up settling the account which started out as a balance as high as XXXX but then was lowered to about XXXX due to refunds. More refunds were anticipated over time. I finally settled with Amex for XXXX to be paid over a period of a few months. 
I asked at the time what would happen with additional refunds, AFTER I paid the agreed settlement, but they did not know exactly how they will go about that and informed me that they will look into it. In the meantime, I made payments towards the XXXX settlement, as agreed and I was getting thousands of dollars in refunds at the same time. Those refunds were NOT counted toward my settlement balance nor were they refunded to me. I would like those refunds to be made to ME directly, since the settlement was reached on XX/XX/21. And is currently PAID IN FULL. 
We called Amex numerous times to try and set up those refunds paid directly to me. They informed me that I should be receiving those back. So far, I have not received any refunds from Amex and at this point they are giving me the runaround. I have attached the settlements agreement and stipulation from American Express and the attorneys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my consumer report and I noticed some inaccurate information. As a result, I filed a dispute with Equifax. By law you are required to investigate anything that is furnished on my consumer reports. Can you please tell me what method was used to investigate these inaccurate items and how you came to the conclusion that they are accurate? It was recently proven that Equifax has not properly handled consumer disputes because they do not conduct proper investigations. I submitted a police report with my dispute of the fraudulent information and it still has not been blocked or removed from my consumer file. 

I never consented to this information being furnished and this infringes upon my right to privacy. I am demanding this information be deleted permanently or I will escalate this and hold you liable. 

The following are the inaccuracies on my report : XXXX XXXX Account # XXXX The below listed inquiries are inaccurate and were unauthorized by me. I never gave these creditors authorization for Equifax to furnish my credit report : 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

I have disputed these fraudulent inquiries on my credit report on XX/XX/XXXX and I requested that they be deleted from my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

All of these accounts are showing late and it's in no fault of my own. Please reverse these late charges on all of these accounts. I have great credit. Also due to CARES ACT, in no way should any of my accounts show any negative remarks. Please reverse them as none of these creditors care. 

100 Claims account deferred, 105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing. 

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: Debt collection

I do not have a signed contract nor any contract with ENHANCED RECOVERY COMPANY. I have never done business with this company. I am not liable for collection from this debt from ENHANCED RECOVERY COMPANY. I am not responsible for this debt with ENHANCED RECOVERY COMPANY. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$81.00} XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX to XXXX I saw a lot of pre approvals on credit karma. At first I didnt pay it any attention, but credit karma kept sending me all sorts of different pre approvals, telling me I qualified for credits cards, personal loans, and that I can refinance my car. I would see these offers every time I logged in to check my check score. After a few months of being told that I was pre approved, I thought I was in the perfect place to apply. So I applied on or around XXXX and was denied several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove Chapter XXXX dismissed bankruptcy from credit report
Product: Credit reporting or other personal consumer reports

This communication serves as a formal follow-up complaint regarding my status as a victim of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, Credit Reporting Agencies are mandated to expunge any entries identified in an identity theft report. In my situation, this pertains to a Federal Trade Commission ( FTC ) Report bearing the number # XXXX. I urge you to consult the documents provided to facilitate the elimination of incorrect and fraudulently established accounts from my credit reports. Below is a delineation of accounts and information opened or recorded without my authorization : EXPERIAN : 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 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 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 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 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 According to FCRA Section 605B ( a ), Credit Reporting Agencies must delete any information identified by the consumer as resulting from alleged fraudulent activity within four business days following receipt of such notice.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 

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. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information.

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. XXXX XXXX XXXX, XX/XX/2020 ) .I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information Part b opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. 15 USC 1692F part 6 unfair practices, talking or take any non judicial action to effect or dissent disabledment of property. Theres no present right to claim it. Sincerely
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 confidentiality under 15 USC 1681. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XXXX2019, XXXX XXXX XXXXXXXX XXXX Hard and soft inquires . 

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 INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$87.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance XXXX {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from analleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification via XXXX XXXX that my credit score went down so I investigated. 
OCWEN loan servicing placed a remark into my credit file that stated " foreclosure Initiated '' and my already low credit score crashed. 
I have been in a mortgage assistance program offered by the State of Connecticut ( XXXX ) for 4 years and have made every payment on time. I see in the history that there are 3 late payment within that time period but the dagger to the heart is the comment that was added between XX/XX/XXXX and XX/XX/XXXX. 
I am not in foreclosure and demand resolution. 
I was able to save my house 4 years ago and was in court ordered mediation to rectify the situation. For 6 month OCWEN 's representative lawyers fought me every step of the way but were smacked down by the judge as I was right and just in every dealing with this company. I need resolution as I an a 20 year XXXX Veteran, very recent XXXX, and am applying for a second career. Credit checks are part of that process and I am now limited to the company 's I apply to. I need help now!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I went to Bank of America and made a lump payment on my credit card. I had just closed on a property and was using the proceeds from the sale. On XX/XX/XXXX, I tried using my credit cards, and they were declining. I went to 2 Bank of America 's ( XXXX XXXX XXXX XXXX XXXX, Texas ), both bank managers could not help me to tell me why my accounts were closed. They only could say I was a " risk '', and bank of america has the right to close my account. They said a letter was mailed to me on XXXX the XXXX, the is the same day they closed my accounts. I didn't receive the letter till XX/XX/2021. I've called them numerous times because I had accumulated over {$860.00} dollars in points, because they closed my account without notifying me so that I can transfer my points towards my balance, they foretify my money. The last letter I received I was told it was because of my XXXX credit rating. I told them that could not be true, I had visited the bank in XXXX XXXX Texas 2 weeks prior and applied for a vehicle loan, which I did qualify for {$32000.00}. I just told Bank of America, today, when someone credits me with my cash points, which I legally earned, I will be paying the remainder of my credit card. Now bank of America has debt collectors calling me.
Product: Credit card

My Citi credit card information was fraudulently used to pay the US Treasury in the amount of {$10000.00} and a {$190.00} service fee on my Citi credit card. These charges originally posted on XX/XX/XXXX. When I first noticed them on the next billing cycle, I immediately reported them as fraud to Citi. I have never spent near this large amount of money on a credit card ever before, but was never contacted by Citi to notify me if such an large purchase or to approve such a large charge at the time it posted. 

I find it hard to believe that the US Treasury and Citi, my credit card company, can not connect the dots and figure out whose taxes were in fact, illegally paid using my credit card. Presumably, whoevers taxes were paid using my credit card is the guilty party. My wife and I paid our own personal taxes on XX/XX/XXXX using direct deposit from our XXXX XXXX checking account. 

I have no documentation of the illegal transactions on my Citi credit card account, as neither transaction was ever approved by me and no signature or approval process ever occurred to my knowing. I have no idea how the US Treasury received my credit card information, as I never willingly provided it to them and certainly never authorized a charge in either of these amounts. 

While disputing these charges, and in speaking with the Citi credit card fraud and billing disputes departments, there was speculation by the fraud department representatives as to how my credit card information may have been leaked, but I can not be certain of how this criminal obtained my credit card information, and again, I NEVER approved or consented to either of these charges. The dispute has gone on for over two months and I am now told that Citi will not be refunding me for these amounts, totaling {$10000.00}. 

I have contacted the US Treasury, and filed an Identity Theft Affidavit on XX/XX/XXXX, but the US Treasury representatives I spoke with stated they have no way to track these transactions, and recommended that I reach back out to my credit card companys fraud department. 

Furthermore, I am concerned as to why there was not a security alert or authorization request of me from citi regarding this large amount being charged to my credit card. I have never spent close to this amount of money with my citi account in the past and feel this should have raised red flags. 

I certainly have not authorized this payment and am desperate for help removing this fraudulent charge from might financial record. 

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

I am opting out of all ChexSystems, I never authorized for this company to access my information. I cease and desist for ChexSystems to use my information, reporting on my credit report at all. I do not contract and I do not consent to this company using my information at all, Upon receipt of this notice. ChexSystems opt out policies say they grants all consumers a right to opt out of the use of Personal Information for firm offers of credit and insurance ( uses of Personal Information otherwise allowed by the FCRA ).
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 confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX  Account Number # 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 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate. I filed a dispute with Transunion Consumer Solutions for the inaccurate delinquency reporting and status of this account, further Transunion Consumer solutions has failed to also verify this account with the original signed contract with my signature date and name. They have not verified so it should be deleted immediately in accordance with the Fair credit reporting laws. These failures and noncompliance have caused me to be denied for credit due to the negative reporting history from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian by mail in regards to a fraud alert that I need to remove. This fraud alert was placed XXXX-18. I need this to be removed from my credit report. I have not received a letter back approving my request. I phoned in to customer service multiple times at the following number : XXXX. I am unable to talk to an agent to remove this.