23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

New Information Reply to American Express response dated XXXX. 


Your letter makes no sense. I am not interested in the history of Amex or XXXX as this has no bearing on my fraud dispute. 
I am not responsible for services or products that I did not receive especially when you have evidence from XXXX dental reports that states under penalty and perjury that most the dental work charged was not performed and does not exist. 
On top of this you have also received a copy of California Superior Small Claims Court judgement for the full limit the court can legally give of {$10000.00}. I want a response that is relevant and addresses my letters which i have never received from your Company. 
I have been an upstanding customer who has paid in full and on time every bill for over 33 years. 
You may have been around 150 years but are not protecting your loyal customers and instead have sold out to crooked merchants and dont seem to care if its fraudulent or not. 
I expect the answers to this letter and my last letter. 
I also expect a phone call back as Ive been promised 7 times via phone. 
Your lack of service and personal response is showing that American Express is no longer the Great co it used to be. 
Lastly I also offered to attend your offices and show you that the work stated by the fraudulent dentist XXXX XXXX has not been done. 
You have refused. 
It is your duty to investigate with due diligence the charges Im disputing and you are not doing so.
Product: Credit reporting or other personal consumer reports

I have reported Experian over and over for breaking the law intentionally report after report and i would like to know why they continue to get away with this crime over leaving my life in distress and will be suing them and CFPB if am told that the CFPB governs them and they have been sued for the very same thing my rights are being violated, WHEN is Experian going to be held accountable for destroying my life. I have given proof along with reporting this blatant disregard for the law and is keeping my son and i homeless and I'm XXXX. How would you like to be homeless all because Experian has decided to break the law and has billions of dollars to say they dont care and contiunes to get away with this crime, so i suggest that the CFPB starts making Experian remove these two items off my credit report right now and i mean now they have no legal right, can not reinvestigate any further because they can not supply me with a legal answer. The account # XXXX ... ... for XXXX XXXX for XXXX.. a charge off is a stolen CAR, its past the legal statue in CA of 4years and its been 5 years, and i have reported them for harrassing me and conspiring to commit this crime to a XXXX person. Experian gives me illegal verification and has been harrassing me as well since XXXX when i first started requesting Experian remove it. Make them remove it now PLEASE for the love of XXXX! The next account is from a collection agency i have no legal contract or legal obligation to pay any money to BY LAW which is XXXX XXXX XXXX XXXX, for {$350.00}. Every time Experian or CFPB ignores my violations of the law, my lawyer gets to add to the amount we are for sure suing for destroying my life, putting my son and a XXXX woman on the street to be subjected to being killed do you understand me!!!!!!!!!!!!!!!! Remove these two items NOW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! My amount to be suing for is well almost over XXXX and if this gets ignored one more time then both companies are responsible for attempted murder everyday you both keep my son and i on the street with murdering immigrants all over the US i might add!!!!!!!!!!!!!!!!!!!!! remove these two items in the name of justice once and for all!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

I've tried many times to explain to this collection that this nit mine and ask fir it to be verified with a contract and id that was never done its fraud
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 U.S. Code 1681c2 - Block of information resulting from identity theft credit bureaus must block all fraudulent accounts that have been created through identity theft. 

Below Are the accounts and inquiries on my credit file that are fraudulent in nature and created through identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Consumer Financial Protection Bureau XXXX CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX CC : UNITED STATES XXXXONGRESS CC : Federal Deposit Insurance Corporation , CC : Comptroller Of The Currency CC : Federal Reserve System, CC : Credit and insurance CC : Federal Trade COMMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

This account resulted due to identity theft. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Only Equifax has been reported this account on my history.
Product: Credit reporting, credit repair services, or other personal consumer reports

OK I DECIDED TO CHECK MY CREDIT REPORT AND THIS COMPANY APPEARS ON MY CREDIT REPORT AND HAS ME AS A JOINT OWNER THIS COMPANY HAS NEVER BEEN ON MY CREDIT REPORT AND FURTHER MORE I DONT EVEN NO WHO THIS COMPANY IS I CONTACT THEM AND THEY HAVENT DONE ANYTHING I NEVER SIGNED A CONTRACT OR SIGNED ANYTHING FROM THIS COMPANY THEY NEVER CALLED MY PHONE TO CHECK TO SEE IF IWAS APPLYING FOR ANY KIND OF LOAN OR CREDIT THIS INFO IS LISTED ON MY CREDIT REPORT SO WHY DIDNT ANYONE CONTACT ME I DONT OWN ANY EQUIPMENT FROM THEIR COMPANY OR ANY OTHER COMPANY I HAVE ASKED THEM ABOUT THIS ACCOUNT AND THEY HAVE SOMEONE ELSE 'S NAME ATTACHED TO MY SSN I OWE THEM NOTHING I DONT NO THEM AND NEVER EVEN HEARD OF THEM UNTIL LAST WEEK THEY HAVE RUINED MY CREDIT
Product: Debt collection

Discover card sued me and attempted to collect a debt by fraud. They misrepresented the debt owed as if I didnt try to pay the debt down and presented the attached to the judge to gain a final judgment without me being notified of the date I was to appear. They sent me a refund check after the egregious final judgement. This refund check was from a lie told to the judge to make it appear as though I didnt try to work with discover to pay my debt down. If I was such a bad person, why would Discover send me a refund check after an audit? Its because Discover card knew I tried and instead of working with me, decided to not give me that option and instead sue. See attached.
Product: Credit card

Goldman case number : XXXX I was charged {$66.00} on XXXX XXXX on my Apple Card managed by Goldman Sachs XXXX It was from XXXX XXXX XXXX. I did not make this charge. The retailer is from the UK and has no contact information. Goldman Sachs continues to rule in favor of the retailer on the chargeback because they say I have not presented sufficient evidence. Im not sure how to prove I did NOT make a charge. They wont ask the retailer for proof of the charge. Of course, there is no proof since I did not make the charge. Goldman Sachs just says sorry and that they cant do anything about the fraudulent charge
Product: Debt collection

January collection company contacted me about a Debt with a company called XXXX, i've requested a copuy of the original contract, wet ink signature of the original creditor or company, and the Agreement with the last date of payment on the account. 

January debt collection company has sent me an email to my business email, and called my personal number outside of working Hours. 

i do not owe this debt the company ( XXXX ) did not render the service that was agreed upon therefore i am requesting the Company ( January ) to Cease and Desist any collection efforts as this is NOT a verified debt. Remove the debt from my personal credit and removed my information form their data base.
Product: Money transfer, virtual currency, or money service

I attempted to purchase an item from an online account and used PayPal to pay for the item. Subsequently, I found out the account/seller was fraudulent and disputed with PayPal. They spent almost 60 days and in the meantime, the seller sent a fraudulent UPS notice that the product had been delivered to me. It never was delivered. 

PayPal sided with the seller and left me with no appeal process. 

I've tried to close my Paypal account and they won't even answer the phone or IM system. 

I'm convinced that I will never receive my money back and just want to close the account of this worthless organization. 

I will use my credit card directly in the future. 

I need your help in closing the PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

company not handling the card correctly for one they are not reporting to XXXX two closed my card b/c i file a dispute b/c i was being charged for something that i did not authorize which put me over the limit ...
Product: Credit card or prepaid card

My gift card had its balance depleted although it was in a sealed envelope in my home. I contacted AmEx Gift card XXXX to report the fraud and was told to contact the XXXX XXXX XXXX at XXXX. I did this and XXXX identified the account of the individual who used the funds. I was told that AmEx GC has to file a chargeback. AmEx GC refuses to do anything further. They won't even take my name. I want my funds issued to a new card but they will not do this. I am being pushed off on the other party with hold times in excess of 30 mins for each call. XXXX  can not reissue the card so it seems that AmEx does not want to return my funds or do anything but blame the merchant. AmEx will not do file a chargeback or file a dispute with XXXX. Please help. I am a victim of fraud but no one wants to help despite the identity of the person commiting the fraud now being known. I have no assoication with the person and have no online connection with him. Why is the victim pushed around when I helped identify the fraudlulent individual by pointing out the transactions with XXXX? This should be black and white - fraud identified and funds received. I have the card and I can verify EVERY number associated with the card to prove I am the cardholder and the one the sealed gift card was given to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax showed that I had an outstanding balance on an account that went to foreclosure back in 2013 in the amount of {$340000.00}. I submitted a dispute and they closed the account but my credit rating is now XXXX. The account should have reflected the account being closed back in 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have sent numerous debt validation notices TO THS COMPANY BECAUSE I BELIEVE THIS ACCOUNT IS NOT MINE and never received a response back from this COLLECTION COMPANY. As per the Fair Debt Collection Practice Act ( FCRA ), a creditor is supposed to respond and not attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which violates the FCRA. 

I request that the creditor remove this account from my credit since they violated my rights under the FDCPA by continuing to report and attempting to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. 
XXXX XXXX XX/XX/2020
Product: Credit card

Wells Fargo disputed some charges that I asked them not so I had to pay again. These charges were from XXXX ( {$1100.00} ) and XXXX XXXX XXXX ( {$100.00} & {$330.00} ). My concert tickets were canceled from XXXX because they disputed the charges so I had to look for tickets last minute and I almost got in trouble from XXXX XXXX XXXX because the payments were disputed. They also did not provide me monetary relief from my previous claim XXXX.
Product: Debt collection

To whom it may I receive a letter in mail from Credit management .Lp, that I owes {$780.00} for a utility bill which I have no knowledge off I don't lived in the state where the utility Company is located I call the credit Management and let them know I have nothing to do with this bill, I also called the utility company to informed I never and account with them.
Product: Credit reporting or other personal consumer reports

I mailed two rounds of certified letters first one XX/XX/year> to Experian disputing accounts below. 
Account Name : XXXX XXXX XXXX {$5500.00} Account Name : XXXX XXXX XXXX {$3400.00} Second letter sent for verification on XX/XX/year> to Experian and accounts still remain and have not been fully validated.
Product: Credit reporting or other personal consumer reports

After waiting patiently for several weeks for your agency 's correspondence via mail, I have received an updated copy of my credit report today. Unfortunately, it appears that there are still inaccuracies on my credit profile that require immediate correction and removal in order to prevent my credit scores from declining further. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX 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: Checking or savings account

On XX/XX/2020, someone through XXXX  made {$5.00} transactions up tot the tune of {$920.00} from my chime bank account. I noticed as it was happening because I was checking my bank account balance at the time and quickly blocked the debit card. I then disputed the transactions immediately. The bank initially gave me the money and then 3 weeks after took the money back citing it was a correct transaction after their investigations. I disputed that and asked for the documentation they used to determine that and what they sent me had nothing to do with the transactions I had disputed. They basically told me I have made certain transactions using cashapp and that was that and I never disputed those transactions except those various {$5.00} transactions to the tune of {$920.00}. 
I have since gone back and forth with chime bank for almost 9 to 10 months now and I still do not have my money. I made a police report at the time it happend and all that. I believe chime bank has acted very very carelessly and extremely unprofessionally in resolving this issue because I provided them with every information, yet every decision they made was based on something f I never disputed and ignored what I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct XXXX XXXXXXXX, and XXXX XXXX  Acct XXXX XXXXXXXX ) are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXXy ) the financial institutions and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and XXXX, ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) Further states '' Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.