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

XXXX XXXX employee charged for luggage {$99.00} before boarding a flight on XX/XX/2022. Luggage meets airline requirements and measurements. 

Merchant not willing to solve the problem after discussing the issue. 

Disputed claim with credit card. Credit card response was unilateral for the merchant ; not providing me the merchant response. Credit card not willing to give the opportunity for me to submit pictures of luggage and its measurements that show it complies with airline policy.
Product: Debt collection

I have tried to resolve this issue with both XXXX XXXX  ( the apartment complex ) and Rent Recovery Solutions ( the collection agency ). XXXX XXXX  did not follow the law and failed to notify me in a timely manner. 
XXXX XXXX XXXX was up on XX/XX/year>, but I moved out several weeks earlier due to XXXX. My rent was paid for the entire time, through XX/XX/year>. I notified the office at XXXX XXXX about the situation. I cleaned the apartment thoroughly and even had the carpet cleaned professionally, which I submitted the receipt to XXXX XXXX. I requested a move-out walk-through with someone from the complex for several weeks, by email, phone and even stopping by the office ( which was always closed ), but I was ignored, they never responded to my requests. I sent them a video showing the condition of the apartment when I left. 
I thought everything was fine until I received an email from XXXX XXXX  dated XX/XX/year>. Attached was a statement dated XX/XX/XXXX. This was the only communication I received from XXXX Bluffs after moving out. This notice was after the 30 day time period per Texas law ; they never sent the letter by the USPS or made any other attempt to contact me. 
I again made multiple phone calls and sent several emails asking for proof of the repairs and cleaning they charged me for. They ignored all my requests and never responded. 
On XX/XX/year> I received communication from Rent Recovery Solutions, the collection agency. The original statement from XXXX XXXX was for {$390.00}. Rent Recovery Solutions increased the amount claiming I owed {$510.00}. There was no explanation of what the additional money was for. 
The collection agency was rude and tried all types of harassment techniques, they refused to listen to my side. I tried to explain the situation and asked again for proof of damages from XXXX XXXX showing I owed this money. They ignored this request and continued to call and email me and threatened they would ruin my credit. 
After several weeks of not making progress my attorney wrote to both XXXX XXXX and XXXX XXXX, asking them to cease and desist with the harassment and threats and also requested the proof of the debt, and they have ignored him as well. 
I have sent both the collection agency and apartment complex copies of my evidence to dispute their claim and they never responded. 
Rent Recovery Solutions did file with all XXXX credit bureau and have damaged my credit, making it almost impossible to rent another apartment. I am on a limited income, I collect XXXX from Social Security. Both the apartment complex and collection agency are aware of this. 
I feel like they have taken advantage of my situation.
Product: Student loan

I 've contacted this company since XXXX XXXX XXXX regarding my account that was taken over by XXXX as of XXXX XXXX XXXX. I was told by XXXX an account manager that a letter went out to my employer the week of the XXXX My employer finally received a letter dated XXXX/XXXX/XXXX, 9 days after what I was originally told. I called in on XXXX and spoke to XXXX myself, requesting a fax letter releasing my garnishment. XXXX stated she 'd have that letter faxed to me the same day. On XXXX I still had n't received the letter to provide my employer so after calling and leaving repeated messages I called back again and asked for XXXX 's supervisor, to my surprise XXXX answered and stated that she 'd get the letter faxed for sure. 
After repeating myself to XXXX countless times I finally received a fax on XXXX releasing my garnishment dated XXXX. I called her back AGAIN, I asked for a corrected letter releasing with the proper date. She kept going in circles about my employer receiving a refund once they received my payment since there was no account to apply it to. I have a payment that needs to be made to XXXX. This has become a headache trying to get these people to correct what was a simple request. If there will be no account to apply the payment to why ca n't a corrected fax be sent to my employer instead of waiting about a month to receive funds that do n't belong to them? 
I have to make my payment to XXXX with the funds that were withheld from my checks and it 's becoming difficult. 

The following email was sent on XXXX/XXXX/XXXX at XXXX I have attempted to reach out multiple times with failed attempts. I requested call backs for the account manager XXXX ( ext XXXX XXXX with no follow up calls. I dont know how a manager would not return phone calls. If a manager is overwhelmed my account should have been given to someone else. 

Ive requested a form stating the date my account was released and taken over by XXXX. My first request was on Monday XXXX XXXX XXXX. I then called back and spoke to XXXX herself on Thursday XXXX/XXXX/XXXX, she stated the form was mailed out on Monday XXXX XXXX XXXX. My employer and I have yet to receive this letter that should have taken 1-2 days at the most based on their location. XXXX also stated that shed have a letter of release typed up and faxed to my employer. Finally received the fax on XXXX/XXXX/XXXX with the date of release XXXX/XXXX/XXXX. 

When I received the fax I called in AGAIN and spoke to XXXX stating the release was dated with the date the fax went out, which was XXXX/XXXX/XXXX not XXXX/XXXX/XXXX. She then back tracked and stated that my account was not released until XXXX/XXXX/XXXX which XXXX stated my account was taken over on XXXX/XXXX/XXXX. This needs to be corrected, there is no reason for this delay. My fax is XXXX XXXX XXXX XXXX. My next step will be filing complaints on ACT and their employees that have failed to do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

Synchrony Bank-Care Credit Impersonating Representative for phone contact for account closure Mobile cell porting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Debt collection

Portfolio RC showed up on my XXXX XXXX report for both reporting agencies. On XX/XX/XXXX I called the number and asked for information regarding the alleged debt. I spoke with XXXX XXXX who could n't find the debt. She found a XXXX XXXX XXXX collection dated XX/XX/XXXX and the information did not match up to me. I told her that my credit report reflects XXXX in the amount of {$680.00} and i currently have an account with them with a XXXX balance. She transferred me to XXXX who could n't find the debt, however XXXX told me that I had to send in a copy of my credit report so that I could prove I was n't the debtor. On XX/XX/XXXX I called back and spoke with XXXX. She did n't find a debt. She transferred me to XXXX in disputes. He checked the XXXX and reported that it was purged in XX/XX/XXXX. He told me that I had to prove that there was on my credit report because he did n't find the debt. I emailed a screen shot of their company on my credit report. I followed up that day and spoke with XXXX XXXX who checked and checked and found nothing. She put notes on my file that there is nothing there and the mark should be removed from my credit report. I called XX/XX/XXXX spoke with XXXX who said he would n't do anything I just have to wait. I have no idea what I was supposed to wait for. I called back and spoke with XXXX. I was honest and told them that I was contacting this agency. XXXX got XXXX who is a manager. XXXX looked and looked and found nothing. He told me that he would look deeper and call me back in 2 hours. He did n't call so I called back. I spoke with XXXX XXXX and asked for some record that I owe anyone anything. He said he had nothing to show me at this time and I would just have to wait up to two weeks for them to find something.
Product: Mortgage

My name is XXXX XXXX XXXX ( XXXX ), and my wife 's name is XXXX XXXX XXXX ( XXXX ). We have worked hard and paid our taxes all of our lives. My wife XXXX and I have had a rough time for the past few years, health-wise and financially. We have tried repeatedly to get help for our situation. 

Over 2 years ago, we applied for a program called KEEP YOUR TENNESSEE HOME. We have been on the list until XX/XX/XXXX, when we were told they had run out of money. 

Next we tried the REVERSE MORTGAGE program. Although I am XXXX, we could not use this program as my wife is only XXXX. 

Then we turned to our banker WELLS FARGO for help. We do not make enough money to qualify for their REINSTATEMENT PROGRAM. Since I am recently laid off my job, I then applied for their UNEMPLOYMENT PROGRAM, but we make too much money for that one. 

I have just received a foreclosure notice on our house. I will need to give you some background so you can better understand how we got to our present situation. 

In XX/XX/XXXX, I fell victim to XXXX. I would suffer XXXX XXXX over the next 2 years. XXXX would XXXX me for several days. XXXX would require XXXX. XXXX would hospitalize me and nearly kill me. This left me unable to work and on Social Security XXXX. 

About 30 years ago, XXXX came to a halt at a stop sign, but the car behind her did not. Since that time, she has had over XXXX XXXX, including XXXX XXXX. She has been unable to work since, XX/XX/XXXX. 

In XX/XX/XXXX, we took in a little boy named XXXX XXXX. He was XXXX years old at the time. His parents are XXXX and are XXXX. XXXX is XXXX years old and we are in the process of getting legal custody of him as there is no one else to care for him. 

My wife applied for SOCIAL SECURITY XXXX over 2 years ago and we are now waiting to hear from a federal judge on this matter on XXXX XXXX. If all goes as our lawyer says, my wife should get her XXXX then and possibly 2 years back pay which should be more than enough to clear up our finances. The problem here is it looks like WELLS FARGO, and the foreclosure lawyers are not willing to wait that long. 

Our mortgage holder, Wells Fargo, has just notified us that they are about to begin the foreclosure process on our property. As you can see, we have had a few rough years and desperately need help. Any other advice or help you can give us in this matter would be deeply appreciated. Is there any way that we can get help on this? Please keep us in your prayers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Student loan

I called in XXXX XXXX XXXX regarding a notice that I received about a refund being owed to me for the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX payments. I called and requested it within the window provided. I was told that my the payments would be refunded within 90 days. After 90 days, I called again. I was told that it will take the treasury 90 days to pay me. I have now waited the alloted amount of time, however, now I can not get an answer from Mahelo. I have called repeatedly and sat on hold. Out of the hours I have sat on hold, I have spoken to two agents, both which told me that I need an advanced agent, then I go back on hold for hours, to no avail. HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this account that is not mine and i want it to be remove from my credit report asap. 

1. Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

Speedy Cash calls me, and when I answer, it is an automated message saying that I have a payment due tomorrow. I have never had a Speedy Cash loan. I have returned their call multiple times to tell them to quit calling me, but I continue to receive automated calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint without any influence from a third party or agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has refused to no longer talk to me about the account they claim was mine and is not, and they have gone to such lengths to make me pay for an account that is not mine, that they kept changing the information and story until they sent a final letter claiming they refused to no longer respond. Now that I have finally gotten XXXX to look at a settlement agreement and showed the the person Bank of America claims received payment for their legal services in my settlement was not even on the agreement and I have no idea who this person is, they are now telling XXXX that they want to talk to me. Well they can contact me on here but I have already said everything I have to say, I will not pay for a debt someone else created and they are so many holes in Bank of Amercas story that who knows if the debt is even real or the amount is correct. Just like they sent me a notice, I have nothing further to say than remove your info from my credit report ASAP and admit you broke the law by trying to make me claim this debt on my taxes. On a side note, XXXX and XXXX   have already found issues in Bank of Americas claim and removed them on their own and have not allowed their info back on my report.
Product: Credit reporting or other personal consumer reports

I checked my report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the fair credit reporting act, 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. The following accounts are not complete and accurate. 
[ XXXX XXXX ] [ XXXX XXXX ] . 
[ Dept ED/XXXX XXXX XXXX ] [ XXXX XXXX ]
Product: Credit card or prepaid card

I went to Kohl 's in XXXX Montana on XX/XX/XXXX. I selected 7 mens shirts for purchase. When I reached the register I was asked to open a Kohl 's charge card and I declined multiple times. The cashier then stated she would give me a 25 % discount on my purchase if I applied. I asked what if I am not approved? Her reply was she would still give me 25 % discount. She advised me my total was {$330.00}. I discussed with her that 25 % would be a large savings on such a large amount and I felt it was worth applying to receive 25 % off my large purchase. After applying, I was not approved and the woman told me I saved {$12.00} by applying. I told her no.. you stated 25 % discount on my entire purchase. She then stated some brand-name shirts I was purchasing were excluded. I told her, wait that is not what you told me to get me to apply for your store card. She then refered to corporate policy was the problem and it was not her fault. I asked for the manager and I started to both the cashier and assistant manager that I was promised a 25 % discount on my purchase regardless of the approval for the card. I also stated that the exclusions were not disclosed to me.. in fact the cashier was very misleading, persistent and insistent I apply to receive such a large discount savings. The assistant manager was very dismissive of my complaint. I asked to speak to the store director and was told she was in but unavailable. I was told the store directors name was XXXX and provided a phone number I was told was her direct line and even if she didn't answer I could leave a voicemail. I left the store after completing my purchase. I then attempted to call the number I was given and it was the stores general number. There was no access to XXXX or any voicemail. I proceeded to contact Kohl 's XXXX number without ever being able to speak to someone about my complaint. I then proceeded to email Kohl 's cares store feedback on XX/XX/XXXX and received an automatic reply with a case # XXXX. This email said they will contact me in 48hrs but occasionally it may take a little longer. I emailed again on XX/XX/XXXX without any reply as of XX/XX/XXXX. Disclosure is a very important part of doing business and Kohl 's was deceptive, did not disclose any terms and simply dismissed my concern. It was quite disappointing and upsetting to experience. Also being highly embarrassed by having the Kohl 's employees discuss my credit denial publicly in front of the employees and customers during this incident was totally unprofessional as well.
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Report in XXXX : 1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. The following personal information is incorrect Former : XXXXXXXX XXXX XXXXXXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction of the consumer for medical product or services. 


Report in XXXX : 1. The following personal information is incorrect Date of Birth : XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction of the consumer for medical product or services. 


Report in TRANSUNION : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX, WA 4. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full I also received a letter from company it self stated its XXXX  out on there end. My credit report still saying a balance of {$200.00} this is the third time Im disputing it thru Experian I even send prove over from the company it self .. keep getting false information
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

The debt company, LVNV FUNDING LLC ( owned by Resurgent Capital Services ), has purchased debt that they are claiming to be mine. 

This company must be under the impression that they are reporting accurate information under my name to the credit reporting bureaus. None of ther accounts that they are reporting to the bureaus are verified or true. 

The debt they claim is mine has not been fully verified or validated. I have requested proof of verification and validation of this debt and never received proof of a WET SIGNATURE of mine on a contract between the origin creditor and I to prove that I am liable for this debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

The accounts that are being reported under my name are inaccurate, unverifiable, unvalidated, and it is unlawful for LVNV Funding LLC to report them. 

These accounts listed below must be DELETED from my credit reports as LVNV Funding LLC is in violation of the FDCPA and the FCRA : LVNV FUNDING LLC XXXX {$700.00} XXXX XXXX XXXX  Unverified Account LVNV FUNDING LLC XXXX {$33000.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$14000.00} XXXX XXXX XXXX  Unverified Account
Product: Credit reporting or other personal consumer reports

Requested credit reports be brought current & remove derogatory remarks too old to be on my credit. According to USC laws & subsections. They did not investigate my claim properly & did not follow laws in regards to credit reporting in my cases. I was also tricked into speaking w a debt collector that reset the timeframe of the acct. I am a victim of identity theft, IRS has provided monitoring of accts trying to be opened in my name or old accounts opened in my name.l without my knowledge or consent.