23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

the phone company XXXX was contacted to hook up my home phone in XXXX of 2012 the phone was never hooked up and no calls were ever made on the line I never received any notification of Debt and I just saw there is a XXXX $ debt in collections with TRIDENT ASSET MANAGEMENT this company say they have no email and can not fax a letter of payment this seems a little fishy
Product: Credit reporting or other personal consumer reports

My identity was stolen and used to create XXXX loans. I have contacted the school and loan company and Ive been fighting this for over a year now. I just submitted a new report with Transunion but my first report for the fraud was deemed as accurate. The loan companies, XXXX and XXXX approved these loans without proper verification of identity and sent the money to an address that does not belong to me and accepted false information to approve these loans. The credit bureaus have not helped me dispute these loans.
Product: Checking or savings account

I have been a member of a group for those who are recovering from bankruptcy. The name of the group is called XXXX XXXX XXXX, and is run by a man named XXXX XXXX. 

In XXXX of XXXX, XXXX sent an email solicitation for a 1 on 1, face to face, lunch meeting with him in XXXX, GA ( XXXX ) to talk about anything we wanted for {$500.00}. We were to send XXXX 3 dates between XXXX a XX/XX/XXXX. 

A few weeks after signing up, I had major XXXX, and was unable to send dates due to complications which lead to hospitalization. 

When I returned to work, I reached out to XXXX on XX/XX/XXXX, I reached out to XXXX via email informing him that I had had XXXX, and was just getting back into the swing of things. I asked about my 4 hour session and received no response. 

I reached out again on XX/XX/XXXX. This time XXXX replied that I had missed the date, and that I could maybe take advantage during XXXX, and XXXX XXXX 's later this year. I advised XXXX that, that does not work for me, and asked for a refund of my funds. 

He then came back and offered me a 2 hour session, via telephone. I advised him that I had paid for 4 hours, face to face, and that was what I wanted. I again requested a refund, and received no response. 

On XX/XX/XXXX, I reached out to my bank, Bank of America ( BOA ), and requested a chargeback of my funds. The following day, XXXX and I literally had an email war with him threatening me, and telling me he would get his money back. 

At this stage, I do not want to have a session with him at all! I inform my bank of the same. 

At any rate, on XX/XX/XXXX, BOA notified me that they would be reversing the chargeback on XX/XX/XXXX. Their decision was based upon documentation the merchant provided indicating that the service was rendered and available to me. And, that per the documentation the Merchant has a 30 day money back guarantee. 

In response to BOA, my argument was that I have yet to the receive the services, and the so called items that were supposed to come along with it. The merchant is back to being unresponsive, and the documentation he provided them stating a money back guarantee was bogus, and contained information for XXXX, Colorado, not XXXX, Georgia. 

Furthermore, I have since discovered that this man is a con artist who has been conning consumers for years now by offering services, etc ... and never providing them, and when he is sued, he files bankruptcy. 

I also provided BOA with the websites where I found some of the disturbing information I discovered about XXXX XXXX. 

The first one is XXXX, and, the second one is ... XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. To remove personal information that I did not want on my credit report. 

According to the fair credit reporting act 15 U.S Code 1681. I have the right to privacy.

Also according to 15 U.S Code 6802. No financial institution is not suppose to share my information to third party people.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information These are clear violations of my my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud and someone stole my identity and tried to open accounts using my name resulting in multiple inquire on my credit report I want them removed. 







XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Automotive XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX   XXXX, IL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had used my American Express credit card to purchase airline tickets in the amount of {$2000.00} on XXXX XXXX  for travel to XXXX in XXXX this year. In XXXX, when Covid-19 hit, the airline canceled all its US flights including mine. When I requested a refund from the airline, they refused saying that my ticket was a non-refundable one and that they can only give me a travel voucher but not a refund. However, U.S. law and Department of Transportation rules clearly state that all airlines have an obligation to refund passengers for flights canceled by the airline, regardless of any fare rules or whether the ticket was refundable or non-refundable. Airlines can offer travel vouchers only if the passenger chooses to accept them ; otherwise the airlines have an obligation to provide a refund. 
So when XXXX refused to refund me in accordance with the law, I went to my credit card company, American Express, to dispute and refund this charge. This was in XXXX. In XXXX, after almost 5 months, I was surprised to receive a letter from American Express in which they summarily rejected my claim and closed the dispute in the airline 's favor, without any real investigation or substantive reason. The reason they provided me : the merchant ( XXXX XXXX ) states that the services are non-refundable. They did not consider that this is an invalid reason since it was the airline, and not I, who canceled the flight due to Covid-19 suspensions and that U.S. law was clear on this topic. Having been an American Express customer for almost 20 years, I was shocked at their dismissive response. If American Express can not provide me justice in accordance with the law, then what good is the dispute resolution or any other consumer protection offered by their card? 
I believe American Express is derelict in its duties by siding with the merchant and forcing me to pay in the face of clearly established U.S. law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX XXXX in 2013. I began having difficulties paying back the loan and requested a settlement with XXXX XXXX for less than the entire amount I owed. 
XXXX XXXX agreed to my offer and told me that the account would not appear as negative information on my credit report. 

I recently applied for a credit card and was denied because XXXX XXXX reports the account as seriously delinquent. Previously I have contacted XXXX XXXX and the credit bureaus to have the information corrected. They all tell me it will take approximately 45 days to correct the credit information and then nothing happens. 

This all happened more than 7 years ago and I am told by the credit bureaus that the info will stay on my report for 10 years. 

All of the above not withstanding the credit bureaus are very unhelpful. It is almost impossible to get through to them and when you finally do the representatives are very disinterested in your particular situation. In addition the credit bureaus are only interested in up-selling their credit monitoring services. Which even if you buy will do nothing to fix your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

We agreed to pay off a collection last year in XX/XX/2021 with XXXX XXXX XXXX. The agreement was with account representative XXXX XXXX. that once the amount was paid in full. XXXX XXXX will request for complete deletion from our consumer credit report and send to XXXX, Experian and XXXX. This is a joint account in the sum of {$1200.00} was paid by me and my husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX dispute department and was met with hostility regarding followup to a prior dispute against Milestone and Indigo credit cards who were handle by the same processor but sent to collections. I paid the balances to the collections agencies. The CSR for dispute got aggravated with me and stated that I paid the collections agency and not the credit card company which shows as closed as charge offs. I explained that my credit wasn't with the agencies but he said the credit cards will remain as derogatory and not show as paid. That is inaccurate and prevents me from qualifying for a mortgage. There are several paid items showing as derogatory that were paid and should have been removed as agreed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Wells Fargo closed an account I had opened with them on behalf of my father using my power of attorney. They had allowed me to open the account and I had deposited into the account money from the sale of his property. I had used that money then to pay off some of his debts. A few months later Wells Fargo informed me that I didn't have the proper power of attorney to open the account and told me I had to go to a branch and close it. I went to my local branch and they issued me a Cashiers ' check for {$8500.00}. When I asked them when the check would expire they told me that it would not expire. For various reasons I let the check sit. 

Two weeks ago I went again and opened another account for my dad using my Power of Attorney. This time I was told I had all the proper paperwork and the account was opened. I deposited the cashier 's check into the account after the banker assured me I would have access to the funds. At no time did the banker helping me tell me this would be an issue. A few days later I log in and find out that the check had been deducted from the account. After several phone calls from me to them with no follow up from Wells Fargo I was told by Wells Fargo that my check had been sent to the State of Pennsylvania as unclaimed property in XXXX of XXXX. At no point in time did anyone inform me that this action would take place, nor did they send anything to my father because he also has my address. Now when I went to start my unclaimed property check with the state of pa, I found that they have no record of this being sent to them by Wells Fargo. The complaint department at Wells Fargo told me they couldn't at this time provide me of evidence that they had sent the money to the state. So as it stands right now my family has been robbed of {$8500.00}.
Product: Debt collection

My chapter XXXX bankruptcy was XXXX in XX/XX/XXXX. At the time I also ended by service with XXXX with whom I had been a customer since XXXX. I also returned my phones to a XXXX store and retained the receipt. Flash forward to XXXX of XXXX and a collection amount shows up on my XXXX XXXX credit report from Diverse Adjustment XXXX XXXX Inc stating I owe {$450.00} from XX/XX/XXXX that had not previously shown there. I immediately requested via certified mail proof of debit from the collection agency. 

They only sent me an old XXXX billing statement from XXXX that did not even match the amount they claimed I owed. it also showed I had been being charged sales tax for a county and state I had not lived in for two years Prior. The sales tax state and county did not match my address on the statement. I called sprint on XX/XX/XXXX at XXXX PM. The first person hung up on me, the second cold transferred me to someone else who advised I was being charged for never returning the phones. I advised them I did return them and had the receipt to prove it. I was advised they could not help me any further and I had to go through the collection agency. They also advised they had not properly updated my address in their system completely which was causing them to over charge me on sales tax. I called the collection agency and was advised to dispute it on their website and upload an image of my receipt where I returned the phones. I disputed this with the collection agency was asked and to this date have never received a response and it is still showing on my XXXX XXXX report. I also never received any notification of any debt from the collection agency or XXXX other than just finding it on my own on my credit report. 

I am disputing that I owe this debt I was told by XXXX it was a charge for not returning the phones, and I have proof I did return them. In addition, any contracts I may have signed with XXXX prior to my Chapter XXXX Bankruptcy filing were not reaffirmed and should not be collectable or showing as an open collection on my credit profile per the United States Bankruptcy Code. I am also advising that XXXX as well as Diversified Adjustment Services , Inc. did not follow the guidelines and laws of the Fair Credit Reporting Act by properly notifying of me of their claim of debt prior to furnishing damaging information to the credit bureaus. I also believe this mistake by XXXX and Diversified Adjustment Services, Inc caused me damages by causing me to have a higher interest rate on a loan I received in XX/XX/XXXX as they never informed me of their claim of debit or that any negative information was being furnished to a credit agency.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$870.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  a payment was reported 30 days late on my report. Apparently the payment was due on XXXX XXXX, XXXX  and was on auto pay which pulled on XXXX XXXX and apparently returned for whatever reason on XX/XX/XXXX. I was never notified that the payment was returned nor was i given the option to make a payment. By XX/XX/XXXX the next payment was due and likewise was taken out of the account because it was on auto pay as well. The XX/XX/2022 reporting of a 30 day late payment is totally inaccurate. From XXXX XXXX XX/XX/XXXX is NOT 30 days, its in-fact 28 days. This means this company was allowed to falsely report on my credit report and has been falsely reporting on my credit report for the past 8 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of my multiple requests, again i want you to help me to remove these following items which are seems to be inaccurate on my credit file. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following items are such an error on my file that needs to be removed : XXXXXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX LL XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX.
Product: Debt collection

Credit report stated account was opened on XX/XX/XXXX for a balance of {$59.00} for medical that I do not owe directly to them. They have been calling my cell phone 3 times or more a day not leaving any messages and when I do answer I have asked them several times to stop calling me, mail me a letter and to not call again as I do not owe them the money and they are a 3rd party collector.
Product: Credit reporting

On XXXX/XXXX/2016 I submitted Identity theft papers to experian consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XXXX/XXXX/2016 and the creditors XXXX and XXXX which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX and XXXX a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX 
When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is blatantly breaking the law. AND XXXX XXXX XXXX IN THE SPECIAL HANDLING DEPT HAS REFUSED TO FOLLOW THE LAW.She even blatantly lied and said hard inquires are indisputable. THIS IS FALSE! I have reported identity theft with ftc and have sent information to Transunion including two pieces of documentation of my theft and they have REFUSED to block any information on my credit report that was a result of the identity theft.

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have had no transactions with with any of these hard inquiries or accounts that are on my identity theft report.

transunion sent a letter back saying they denied the block because " i have obtained possession of goods, services, or money. " This is a lie and they have no evidence that i have obtained ANYTHING nor have i obtained anything from these accounts or inquiries.

According to 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I ask that Transunion provides factual evidence that I have received possession of any goods, services or money with wet signature giving any of these hard inquires or fraud accounts permission to report on my credit report OR for Transunion to deny blocking this information WITHOUT EVIDENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft. i have a couple fraud accounts on my report. they are XXXX XXXX XXXX   opened XX/XX/2016 balance {$1000.00} XXXX XXXX XXXX XXXX opened XX/XX/2016 balance {$420.00} inquiry XXXX inquiry att services
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 bureaus are reporting differently on the this particular account which I reported as FRAUD.I HAVE NEVER HAD A STUDENT LOAN WITH US DEPT OF EDXXXX ACCT # XXXX {$16000.00} US DEPT OF EDXXXX ACCT # XXXX {$5100.00} US DEPT OF EDXXXX ACCT # XXXX {$3300.00} EXPERIAN IS REPORTING IT AS A CHARGE/OFF WITH LATE PAYMENTS XXXX  IS REPORTING IT AS ACTIVE ACCOUNT WITHOUT ANY ACTIVITY XXXX  FOUND THAT IT WAS FRAUDULENT AND DELETED THE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing inaccurate information on my credit report with Equifax. And some how my disputed information was shared unlawful with other companies of dispute. For example I was disputing a company here in South Carolina name : XXXX XXXX and Equifax mailed them my research request from with other disputes with different companies that was being disputed as well. That very unlawful for Equifax to share my other disputes with sunset finance as well as other information. I have proof letter from sunset finance mailed to me with everything Equifax mailed to them in which XXXX XXXX mailed to me. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I will send the letter regarding the question mentioned below to TransUnion. 


TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear sir, I have checked the credit report issued by your company on XX/XX/2023. I would like to ask why you mention unknown regarding the rating of XX/XX/2023 on the XXXX  XXXX XXXX account starting # XXXX. 


Sincerely,