23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I was aware of that my account with Rush Card would be going through a system update on XXXX XXXX, 2015 from XXXX to XXXX. I new I would not have access to my funds during that time frame. It is now XXXX XXXX, 2015, XXXX and I still am unable to access any of my Money. I have called Rush Card Customer Service on multiple attempts to experience XXXX hours waiting times and never have been able to talk to any Rushcard Representative. I have sent XXXX emails so far to rushcard customer service about my account issue and I have got only XXXX response that my account could not be found and needed to send another email with more info so I could get assistance. I have sent that info and have yet heard back from rush card well over XXXX hrs now. My Account balance was at {$0.00} for sometime and now is showing the correct balance but my account is still in " pending activation status '' which I still ca n't access my money. I ordered a new card in hopes of being able to transfer funds to this new card but Rush card has deactivated the ability to transfer funds. It says an error has occurred and to contact customer service. This makes me think they do not want me to access my funds at all by blocking my card and ability to transfer my money. They are giving false info about accounts have full access now and only means of any info is there XXXX page. That leaves me in the dark on when or if a fix will occur.
Product: Credit card

I applied for a credit card online on XXXX XXXX 2015 and within few minutes I got a message on my screen saying my application was approved and I will get the card within 1 week. I did not receive the card till XXXX XXXX and when I called, they said I will receive within 5-7 business days and that too 'after the card is mailed '. So at the very first place they should not have given the statement that I will get the card within a week. 
When I requested them to send it via expedited shipping they refused. 
I waited till XXXX XXXX ( which is after 7 business days ) and then I called them. The executive told me that he will cancel the original and send me a new one via expedited shipping and I will get the card within XXXX hours via XXXX. I waited till XXXX XXXX and did not receive the card. 
I called them up again to get the tracking id of XXXX and now they told me it will take take more 5-7 business days for them to mail the card and then again 5-7 business days for me to get the card. Then I spoke to the executive 's account manager and he said I will get my card in 5-7 business days. 

I had my plans for the card and finally all travel plans ruined, vacation plans go waste and left with nothing but utter frustration. 

To conclude -- they provide incorrect information over internet. 
- customer care executives give wrong information to customers. 
- they do not have a dedicated department to take care of these grievances which canont be taken care by customer care. 
- they do not have the process of sending expedited card to new customers where as other credit card companies do.
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a car. In XX/XX/XXXX Hyundai Motor Finance illegally repossessed my car. On XX/XX/XXXX I requested a copy of the contract. To my dismay the contract now has a FORGED signature on the contract that WAS NOT on the contract when I left the dealership XX/XX/XXXX. I am giving XXXX XXXX XXXX and or Hyundai Motor Finance the opportunity to resolve this fraudulent matter. If not settled to my satisfaction I will be pursuing in Federal Court as FORGERY is a FEDERAL violation.
Product: Credit reporting or other personal consumer reports

I would be grateful if you could promptly eliminate the fraudulent entries from my credit report given the circumstances and take the necessary steps to rectify any inaccuracies or fraudulent actions. I've attached documentation from the appropriate authorities to support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to upload documents via https : //www.experian.com/XXXX but i keep getting the same error message stating it can not upload. I am trying to upload the written request and proof of ID to remove the fraud alert from credit file. I have been denied numerous credit applications because creditors can not verify my identity. I have submitted requests prior to remove the fraud alert but it still exists.
Product: Debt collection

Pheonix Financial Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. When I told them this debt was paid at another collector previously in XXXX they said I could send proof via their email. The man I spoke to said they would put it into a dispute and refrain from adding it to my report. However, when I also requested a debt validation letter, they put it on my report anyways and still have not sent a debt validation letter. Then, the dates put on my credit report are incorrect and so was most of the information. Now, despite sending multiple items, it is still on my credit report.
Product: Credit reporting or other personal consumer reports

I got an email that said " Welcome to XXXX XXXX, XXXX '' and when I clicked into it I saw that someone had opened a credit card with the credit limit of {$30000.00}. I then get an email that says the card had shipped. I checked my XXXX app, where my credit is locked, and I see an alert that states " XXXXXXXX XXXX XXXX  XXXX XXXX got a copy of your Equifax Credit Report. '' I did NOT open this card. This is fraudulent. I called XXXX XXXX and they shut down the account. Now I need Equifax to remove this inquiry from my credit report.
Product: Mortgage

I contacted Chase on Monday, XX/XX/XXXX. I was told by automated message that I would be on hold for 1.5 to 2.5 hours to speak to a representative regarding my difficulties paying my mortgage due to loss of income during the Coronavirus outbreak. I was told by the representative that it was taking so long because the interest rate was decreased and the same department was busy refinancing mortgages for clients. When I did speak to someone, I was direct to chase.com/mortgageassistance where I am required to complete and mail in a collection of documents, including a profit and loss statement for my business. I do not have such a document completed yet and due to the delay in income tax filing, this is an extreme effort to put this together before I run around of funds for my mortgage. I have never missed a mortgage payment in my life and I need more immediate assistance, not a complicated process where I am being asked to meet a list of requirements to simply request some kind of deferment in payments. I have not experienced any interest or compassion from Chase in helping me address my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX of XXXX, I have been sending letters to XXXX  Experian and XXXX  to let them know that I'm a victim of identity theft and I've noticed fraudulent accounts on my credit report. XXXX  is the only credit bureau that actually deleted the fraudulent account with XXXX XXXX XXXX XXXX for my credit report but it still remains on my experience and XXXX  credit report so now I'm filing this complaint against XXXX  and Experian so they can remove this fraudulent account on my credit report with XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I requested a modification which was approved. However it was reported late. Spoke to a supervisor whom stated that the late report was going to be removed. I got a notification however my credit score dropped over 100 points and has not shown an increase. The modification is inplace and I also made a XXXX dollar payment
Product: Debt collection

This company has made an attempt to sue me for a debt in which the statute has passed. In investigating them I learned that they are crooked and fraudulent people under the guise of lawyers. They need to be investigated and disbarred and the company shut down
Product: Debt collection

Portfolio Recovery Assests has continued to contact my employer after being asked not to by my employer and by myself. My employer has told them to stop contacting me there, as I have, but they continue to call. They have been repeatedly asked to remove my work number. They also refuse to give me information on where this debt originated. They have also refused to accept my monthly payment offer due to it being too low despite my husband being unemployed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Transunion a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it
Product: Credit card

Purchase a wedding dress from XXXX XXXX XXXX in XX/XX/2023. In XX/XX/2023 when the dress was due to be delivered, we found that the store had a note on their door that they have been shut down due to not paying the rent. We then received an email from, the merchant letting us know to contact the designers warehouse to find our dress. Once I contacted the designer warehouse, I discovered that the money that I had paid XXXX XXXXXXXX never paid that towards the dress. I then had to find another XXXX and pay full price for the dress and have it delivered to them. I had made a payment of {$1400.00} which was never applied towards the balance of the dress. I then had to pay an additional XXXX to re-purchase the dress and veil. I had forwarded both the original receipt from the boutique that closed down as well as the receipt where I had to re-purchase the dress because it was never paid for. I then was able to get an email from the merchant stating that I did make the payment, I did not receive the merchandise and I was due a refund and Discover still saying that it is a valid charge him or not take that charge off of my card. I am basically paying for a charge that I did not receive any merchandise for. This made national news when XXXX XXXX XXXX XXXX affected several Brides for the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a validation letter to XXXX and Equifax XX/XX/2021 asking for confirmation IN WRITING that the debt is mine. It is now XX/XX/XXXX and I have yet to receive validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to have ABR Recovery Services quit reporting false information on my credit report. They are continuing to report that I have a balance and owe them money for a collection account that I paid off to another creditor. 
I have supplied this documentation to ABR Recovery Services and they have failed to remove their false reporting of this account to Equifax. I was denied a car loan due to this false report. I have do not and have never owed this company any money for the account that they are reporting. I have disputed this account directly XXXX XXXX, XXXX and to this day they have failed to respond to my dispute. I have also called to dispute this multiple times and the " XXXX ' offered me a 20 % discount and to have the account removed once I have completed paying the account. I explained that he was trying to collect on an account that was previously paid to another collector. This company is violating multiple federal laws by falsely reporting on my credit report and offering pay to remove services.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. This account violates 15 USC 1692 ; 15 USC 1681 ( a ) ( b ) ( e ) subsections. I request all accounts to be removed within 30 days of this notice in lieu of statutory damages litigation. The contract on all closed accounts has been cancelled.
Product: Checking or savings account

I have been a PNC client for over 7 years. A employee of my company who was granted power of a operating account abused the funds in the account for personal use he was confronted about repaying the funds and without my knowledge he disputed charges that was made by him. After PNC investigation was completed and it was determined that the charges was his transactions, they closed my accounts. My business account that these transaction accrued on another business account and my Trust account. the reduced my credit cards and on some of the that didn't even let me know. so my currency is in limbo and my bills haven't been paid. and I just received a cutoff notice on another bill and my mortgage is going to report to my credit as a late dropping my credit score.
Product: Credit reporting or other personal consumer reports

As I was checking my Report I noticed an account I do not recognize from XXXX XXXX for {$1300.00} I have fully investigated my rights in this matter. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit service XXXX XXXX to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to XXXX in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off my credit report.
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under XXXX XXXX ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a cut and paste of a letter sent to TransUnion. I tried calling and got a rep who couldn't do anything to help except try to sell me reporting service. It is serious to affect my credit this way and makes no sense XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX SSN XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX XXXX, PA Gentlemen : I am writing to you due to the XXXX point drop in my credit report which makes NO sense. I had a credit card balance of over {$7000.00} related to my husbands funeral and final expenses. I had a credit rating in the high 700s. I finally paid it off and instead of my credit score going up since I had less debt, IT DROPPED XXXX POINTS. I also paid off my car. 
Well, that was very upsetting to say the least, so I started running my normal expenses through my XXXX card since it appeared to me you didnt like me having no debt. I paid the account off in full each month and figured that was what you wanted. So then I get a notice through one of the consumer credit monitoring pages that you dropped me again to XXXX because I was spending too much money on my credit card, even though it was paid in full each month. 
You cant have it both ways, drop my score because I paid off a large bill and then drop it again when I spent {$3200.00} buying necessary, one time purchases for my home which again, I paid in full. 
Something is wrong with your scoring method. It makes so little sense that even XXXX XXXX couldnt understand my credit dropping because I PAID OFF A BILL. Then to drop it again because I bought needed items and paid it in full is ridiculous and makes no sense. 
This letter is to request that you immediately return my score to the high 700s as I have done nothing to lower my score. Even my bank could find no rhyme or reason to this. 
Which is it, you like debt or you dont. 
I am sending a copy of this letter to both the Federal Trade Commission and to my congressional representatives as this makes no sense and is unfair. 
Disgusted, XXXX XXXX XXXX
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 name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 to any consumer reporting agency if the Person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have been requesting a complete payment history from XXXX and they refuse to provide me with a copy of a complete payment history if these is no payment history how can they validate a debt so I am question the validity of this debt
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach. As as result, there are various incorrect personal information reporting on my credit report. I demand the immediate removal of these items.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request the blocking and deletion of the following accounts from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts have been fraudulently opened or impacted as a result of the breach. 
The following accounts have been affected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/2014, my doctor ordered XXXX from a XXXX company called XXXX XXXX XXXX XXXX aka XXXX ( this company has now filed bankruptcy, see this article : XXXX ). They were supposed to submit the bill to my insurance company, but my insurance company states they never received any billing/payment requests. Nor did they send me any kind of notice that the insurance company had not made payment, and I needed to make payment to XXXX. They then sent my account to this collection agency, Monterey Financial Services, LLC. Last month, Monterey Financial reported my account to the credit bureaus, and it severely damaged my credit. Never at any time did XXXX XXXX XXXX or Monterey Financial Services send me any form of notice of the debt, or make a call to me in an attempt to collect the debt. The damage to my credit has cost me financially. 

When I call the attorney 's office that handles XXXX 's billing, the phone rings continually, with no one picking up, and does not go to voicemail. When I call Monterey Financial, they simply tell me I 'll have to talk to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discharge in Chapter XXXX Bankruptcy on XX/XX/18. This account was opened prior to bankruptcy and was not reaffirmed. Balance incorrect and historical data on credit report incorrect
Product: Credit reporting or other personal consumer reports

XXXX Of XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

Dear I am writing in response to your letter dated. 
( copy enclosed ) because I do not belleve I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently Checked my credit report and found an inaccuracy that credit bureau refuses to properly investigate.I have account statements that show account was never late and on time the following accounts below need to be updated correctly and accurately to never late with all late remarks removed : XXXX XXXX  Following dates need to be updated to on-time Dates XX/XX/2023 XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed them on several occasions ( at least 5 times ) and that the only Name, Address, and Telephone # and Employer information that should appear on my credit report is the following : address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Employer : XXXX XXXX XXXXXXXX  XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.