23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The calls keep coming from a place called Warner Location Services, Warner Asset Services, Warner XXXX Services. They are from a XXXX XXXX. The number that he calls from is a XXXX, Tx number XXXX, but gives a call back number of XXXX. When I did a reverse number lookup for the XXXX number that number was registered to a female here in the city of XXXX, Tx. I never answer the calls after finding out the numbers were questionable. They say there has been a complaint filed in their office but never say what the complaint is. Oddly enough the only office listed for any of these companies is in XXXX XXXX XXXX. on XXXX within a span of 10-20 minutes there were a total of XXXX phone callsXXXX on the home phone and XXXX on the cell phone. XXXX XXXX has been told several times to quit calling and he continues to call. XXXX of the reports on this company says they just bought out XXXX XXXX which is a pay day loan place. I have never done business with this place.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Checking or savings account

I filed two disputes on XX/XX/2019 ( Claim IDs : XXXX, XXXX ), for 2 transactions processed through XXXX XXXX ( XXXX, XXXX ), because I did not receive the services I was charged for. Bank of America is researching claim # XXXX, which is for {$120.00}, but declined to research claim # XXXX for the amount of {$300.00}. I immediately assumed they were cherry picking claims based on the amount and decided to give them a call. I was told that the claims did not meet their specific timeframe for filing and should not have been submitted. That was explained to me at the start, but after further discussion, the bank employee decided she would submit the claims because I did not receive the service that I paid for. Claims should be granted equal attention regardless of the amount and my bank needs to hold third parties accountable for allowing crooked people access.
Product: Debt collection

At XXXX pm PST on XX/XX/XXXX a female called stating she was with Midland Credit to collect a debt for my XXXX account. I hung up on them thinking it was a fraudulent call but remembered that they are a legitimate collection company and called them back. 

I called back at XXXX PM XXXX XX/XX/XXXX and it was a man who answered this time and kept going on and trying to make me make payment arrangements for another account of which I was not totally familiar. I told him I needed to research it first before I make any agreement at which he kept pushing me. He told me I had three accounts with them. He never stated the other two. I then asked about the XXXX account I was initially called for and stated that Ive never had a credit account with XXXX, ever and that if they see a collection that I need to know about it so I can dispute it and report it for fraud. 

He kept telling me to forget the XXXX account and told me he could not look it up because it was not his case and went back to the other debt. 

I hung up on him and called XXXX directly to see if someone fraudulently opened up a credit account with them under my name. I called XXXX at XXXX PM XXXX XX/XX/XXXX and she told me that they would not go through another agency and that there is no credit account opened in my name nor never was. My account itself is okay and in good standing. 

The fact that Midland Credit was never hired by them and that they are using XXXX name to get to people is extremely unethical and in poor taste business or otherwise. 

There should be some sort of legal ramifications for this behavior in misleading others.
Product: Money transfer, virtual currency, or money service

PayPal simply lost {$5.00} of mine that I attempted to withdraw - but they just deducted from my balance without asking for any bank information and did not give to me. This is very rogue and corrupt.
Product: Debt collection

Despite asking on a recorded line and then having them write they would stop, American Express has continued to call my work jeopardizing my job. I have filed this before and they sent a letter in my last complaint stating that this would stop however it has gotten worse and they are now even calling when the payment is not even due yet. They continue to call us on a recorded line so each of these outreaches are recorded and records have been kept of the outreaches. I have also used this site before and they responded stating it would not happen again. It is blatant harassment at this point.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. I request that the following fraudulent account be blocked and deleted from my credit file as stipulated under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : ACCOUNT : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$00.00}
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization. 

XXXX  - Delete from file XXXX XXXX - Delete from file XXXX XXXX  - Delete from file XXXX XXXX - Delete from file XXXX XXXX XXXX XXXX XXXX Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SU  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy was listed on my report and I requested for it to be removed on XX/XX/XXXX. I mailed my letter advising that Equifax failed to disclosed the source in which provides them with public record information and that they violated FCRA. The public record and XXXX XXXX was removed between XX/XX/XXXX. I received alerts advising that these were removed. On XX/XX/XXXX, I pulled my report and it has reappeared along with XXXX XXXX that was also removed. I am in the process of purchasing a home, and Equifax is holding me back. 

I spoke with a rep on XX/XX/XXXX, and she went through all the confirmations from XXXX to XX/XX/XXXX but was unable to find the dispute results that showed that these items were deleted. If I submitted my letter in XX/XX/XXXX, why not view XX/XX/XXXX?
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX - LoanMe Flagged my Payment for 30 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - LoanMe Flagged my Payment for 60 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - Called Loan Me and told them what had happened. Still was unable to charge my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE LISTED BELOW ARE 2 INQUIRIES XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Banks anXXXX XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

XX/XX/2020: I attempted a payment for rent in the amount of {$5000.00}. This payment is facilitated by a third party, XXXX XXXX. 
XX/XX/2020 : The payment fails to complete. 
XX/XX/2020 : I receive an email from TrueAccord notifying me of a debt. 
XX/XX/2020 : I pay the debt in full directly to XXXX XXXX. 
XX/XX/2020 : I reply to the XXXX email, disputing the debt as settled directly with XXXX XXXX. 
XX/XX/2020 : TrueAccord responds with proof of debt which predates the payment to XXXX. I reply and dispute again. 
XX/XX/2020 : TrueAccord responds with proof of debt which predates the payment to XXXX. I reply and dispute again, then file this complaint. 

In my view, this violates 15 U.S.C. 1692g ( b ), which requires verification of disputed debts. 

Company information : XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX XXXX
Product: Debt collection

CBE Group is trying to collect a debt of {$220.00}. This is debt is not of my knowledge. Debt was assigned XX/XX/22 to be collected by CBE Group.
Product: Credit card

I would like to file a complaint against Walmart I was issued a credit card with a {$500.00} limit and I had some financial issues and made a few late payments, and not the full amount, but always paid, then when I was all caught up and paying steadily on time they reduced my credit line without any notice at all so as I was paying down my balance they were taking it away which also affects my credit score when I called to ask about this with customer service they were very rude and basically said that what I get for paying late ... I would not only like to file a complaint but I 'd lilke my credit line to be returned to where it was when I started because i 'm still paying interest on the full credit line not my balance this is not right and Walmart should not be allowed to do this to people i 'm sure i 'm not the only one they have done this to ... 


Thank you
Product: Credit card or prepaid card

XXXX   BUSINESS CARD -One of o ur cards was fraudulently duplicated and used pumping gas for total a amount of {$810.00} in the months of  XXXX  and  XXXX   2017 , while the original card was in our possession. Once we received monthly statement of charges from  XXXX , we promptly reported the fraudulent use to  XXXX  on  XXXX   XXXX , filling and faxing to  XXXX , their fraud investigation unit the form they had faxed to us.   It took more than 60 days for  XXXX  to issue partial credit of {$720.00}, while they have charged interest and penalties of {$360.00} on {$810.00} fraudulent charges which we are not responsible for and they refuse to credit {$360.00} back to our account.   We have called the customer service of  XXXX  and they say even though we are not responsible for the fraudulent charges, we are still responsible for Interest and Penalties.   This absurd and abusive practice  be one of th e biggest oil companies in the United States.
Product: Credit card or prepaid card

I opened a new account with Macys. I never received a physical card in the mail. Six months later I made a purchase at Macys. When I tried to make a payment on my account, I realize that I needed a physical card showing my account number in order to make the payment. I had called in to Macys a second time, and requested a card be sent out to me. I had not received the card for over four weeks. Because of this I could not make a payment on time. As soon as I receive the card in the mail, I went onto the app and paid off my balance in full. I then called in to Macys to explain what had happened, and they did reverse the late fee. I made the payment on the app from my checking account with a wire transfer. Those funds were immediately taken from my checking account, and were applied immediately to my Macys account. I noticed that my available credit has been showing as XXXX for weeks after my payment. When I called into Macys to understand what the issue was, they explained to me that there was a hold on my funds for more than two weeks. When I spoke with the representative, I explained to her that those funds were sent electronically in a wire transfer, and they were available to Macys weeks ago. There should be no reason for my account to be showing that I have no available credit on my account. I explained to the representative that this is an issue because it is reporting to credit agencies that I have no available credit on my account. The representative said that she could do nothing for me other than allow the timeframe of the hold to expire. She didnt seem interested in helping with the situation or understanding that what Macys is doing is an illegal practice as they had my funds immediately in their possession. I want to report this to the credit reporting agency as I believe this is unfair credit reporting.
Product: Checking or savings account

Hello! I have attempted to dispute a {$20.00} charge to my checking account made under fraudulent pretenses, and Chase Bank refused to attempt to recover the funds.
Product: Debt collection

I have filed Bankruptcy XXXX XXXX -Discharged Reference # XXXX. This shows up on my experian and XXXX but has not updated on my Equifax. 

The date filed was on XXXX this affect me from being able to move forward, please get this updated because I have been trying to reach out to equifax but nothing has happened.
Product: Debt collection

A phone call was placed to my personal cell phone number at XXXX XXXX  XXXX  time XX/XX/2023. 
I returned the call at XXXX XXXX XXXX  Time and requested an email address and mailing address. 
I spoke with XXXX representatives in which directed me to the website and not grant the information collected. 
I asked to for proof of the a legal binding contract between XXXX XXXX and Caine & Weiner. 
If the debt can't be validated, I request that Cain & and Weiner cease all further collection activity and reporting of a debt that isn't owed.
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I booked a flight using the capital one rewards system. Given my flight was over the XXXX XXXX, I chose to fly into my final destination of XXXX XXXX PA rather than drive the 3 hours to avoid traffic even though the flight was $ XXXX more for each of the two tickets I purchased. 

I purchased the flight and received an email confirming the flight, all from Capital One. When I showed up for the second leg of my flight, I was put on a bus that drove me 3 hours to my final destination. 

When I complained to XXXX XXXX, they indicated that on their reservation system I would have been told that I was going to be driven to my final destination and that I needed to talk to capital one if they did not display that information to me when booking my flight. 

I called capital one for the first time on Monday XX/XX/XXXX and spoke to someone that said they would look into it and call me back within a few hours with resolution. That person reached out to XXXX and was told the same thing I was- their site had appropriate disclosures and if I wasn't informed it was Capital ones problem. 

They sent me an email to tell me that my complaint has been closed because XXXX wouldn't give me any compensation. 

I called back because I didn't think they understood and eventually talked to a supervisor named XXXX who agreed with me that Capital One did not have appropriate disclosures to tell me I was booking a bus ticket and that he would be asking for approval for a partial refund for me. He also said he would call me back. 

I did not receive a call back so I called again on XXXX and was told that it was still in process but I would be called back by end of day. I did not receive a call back once again, so I called again on XXXX. 

On XXXX it took me 2 separate phone calls and over an hour on hold to get to someone that told me my compensation had been declined by XXXX 's supervisor and my case was closed. Their rational was that I had received an email that said that the flight I had booked was " operated by the landline company, a division of XXXX XXXX '' which was supposed to be sufficient to inform me that I was taking a bus. 

The website that capital one operates did not inform me in any way that I was buying a bus ticket at a rate 10x what I could have booked if I wanted to take a bus, and it is unfair and deceptive to expect me to read the email, research all the companies listed in the confirmation email, and then understand that a flight I booked was actually a bus.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an e-mail that looked fraudulent from : XXXX. I looked up the company from a regular source about the e-mail. It took a bit to find me but confirmed that a personal loan was taken out in my name and XXXX. The address however is not my home address and the bank they sent the money to is not a business I bank with. I also don't take out personal since I have other means to take out money. 
the e-mail stated that " You opened a consumer Loan with XXXX XXXX. As of XX/XX/XXXX you owed XXXX '' which I have not. 
I have not heard anything additional from the company and I am concerned that additional loans will be taken out in my name and that this company will try and collect a debt that is not mine.
Product: Debt collection

Portfolio Recovery has called me And been verbally abusive with every call and has threaten legal action if I did not pay the XXXX dollar debt to them. I asked for proof of the debt and they got mad and started being more rude and using foul language
Product: Debt collection

I am writing to formally dispute a collection account reported to my credit file, totaling {$1900.00}, which I believe is inaccurate. I called the creditor who purchased this debt and this account was reportedly opened in XXXX. However, I am currently XXXX XXXX XXXX, which means I was underage at that time and could not legally open an account. 

I attempted to contact the company responsible for this collection, but they confirmed the account 's opening date without addressing my concerns about my age at that time. I believe this account is erroneous and should be investigated further. 

I kindly request your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Cap One to dispute several inquires on my report that I do not recognize I was told they will update this info on all 3 credit companies including a company callwd XXXX XXXX but yet this keeps happening 1.XX/XX/XXXX -authorized 2.XX/XX/XXXX 3.XX/XX/XXXX 4.XX/XX/XXXX 5.XX/XX/XXXX 6.XX/XX/XXXX 7.XX/XX/XXXX