23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an updated credit report today from experian. My dispute with them did not fix errors on my report. I am uploading a copy of the accounts they are still reporting and also uploading proof from XXXX  credit reporting agency that these accounts were deleted off my report after there investigation. If experian did a true investigation they would receive the same response as XXXX  did. ( to delete off my report ). Having this wrong incorrect information reporting is affecting my credit score. I am seeking for experian to do the right thing as they are messing with my credit by not deleting these accounts that do not belong reporting. Also XXXX XXXX XXXX does not belong on my credit report as well. I am submitting proof these accounts were deleted from equifax credit reporting agency. Experian please stop just updating the information and do a true investigation this has been going on for months now. This is my credit worthiness.
Product: Credit card

Well i was applying for a SBA loan i have my LLC and EIN number and they shot me down saying. We didnt let the score be the reason why i was denied Credit. And i have an insufficient personal credit files And how can i get any if banks like them never give a chance one even wrote try paying your bills and that shouldn't be for your kind where yall get these people from very petty. Smh
Product: Debt collection

This debt is not mine and has previously been removed from my XXXX Credit report. This company " North American Recovery '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report, but XXXX stated it was verified by North American Recovery but XXXX companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting North American Recovery provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When they fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with XXXX on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If North American Recovery denies this I can down load proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and North American Recovery needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all XXXX of my credit files where it is listed XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a telephone number on my Equifax credit file that does not belong to me nor has it ever belonged to me. I have no idea why this telephone number has been listed on my credit report. Because of this I am being denied credit because creditors can not verify my information. I have spoken to three representatives at Equifax on three different occasions asking that this erroneous number be removed, but each time I am told that there is no telephone number listed on my credit file. However, a copy of my most recent credit file ( XX/XX/2022 ) clearly lists this telephone number that does not belong to me. I need it removed. Thank you.
Product: Debt collection

This Company : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. ( XXXX ) Appeared on my credit report, I disputed the validity of this account because Ive NEVER received anything in writing from this company. 

I once received a cryptic text message that did not include my name or any personal information. I called the number and a man stated he represented an old account of mine. I requested that his company make contact with me in writing via US mail with a debt validation letter. 

It has been 4 months since then and I have yet to receive any written correspondence from this company and when I disputed this entry on my credit report as fraudulent ~ it was not removed or updated. 

Since Ive never received anything in writing, I do not have any further identification markers for this entry. The information Ive provided above is as it appears on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received {$80.00} to my cash app account By mistake the money was sent to my overdrawn XXXX XXXX account. 
Immediately contacted XXXX XXXX they said I had to file a claim so I did that and then they returned the money on XX/XX/year> to my cash-app account that it was originally sent from. 
Since that day I have numerous times to find out why the money was never posted to my cash app. The amount would have been {$78.00}. that is the {$80.00} that was originally sent minus the {$1.00} Transaction fees that cash app charged me. 
I would gladly send you a record of all of the complaint and record numbers for my calls to cash that but there are truly too many of them to count. I have been told on numerous occasions that the the complaint had been escalated which means that it has 10 days to rectify the situation but they still have not. I spoke to supervisor after supervisor and have gotten nowhere. I continually get emails and told that the case of an escalated but that doesn't mean anything because it has still not been handled. They have closed case after case and complaint after complaint of mine but yet never taking care of the situation I'm asking is that my money is returned the {$78.00} to my cash account. I have sent them all the information that they have requested from XXXX XXXX as far as documentation goes, I have had XXXX XXXXXXXX conference call with me to cash app so that the bakers at XXXX XXXX could personally tell them they sent the money..I don't know what else to do. They refuse to return the money despite written and verbal proof that it was sent back.it has now been almost 2 months. I just want my money. U have lost a job already over having to spend time in the phone with cash app over this situation
Product: Debt collection

We went for Lab service to XXXX XXXX XXXX in Month of XXXX. I have given them both Primary and secondary insurances to claim for insurance on my blood work. Later one month the XXXX team sent me a letter for the remaining balance and I called them to file with my 2ndary insurance who takes care of what primary is not paid or left over balance. But even after months they never filed a claim with my 2ndary insurance and they end up sending this {$110.00} to a collection agency called CREDIT COLLECTION SERVIC. 
This collection agency never called me and they reported that they sent me a few letters but I didn't receive anything. Without talking to me over phone or email, this agency reported to 3 of Credit Bureau 's on XX/XX/2021 about missing payment for the original creditor : XXXX DIAGNOSTICS INCORPORATION. 

Then on XX/XX/2021 when i saw my credit report with these collections i called them and asked why no one called for this collection. I have valid reason not to pay, because XXXX has not filed a claim with my 2ndary insurance. The response I got from the collection agency was bad and they are not polite. so, instead of arguing with them i paid total amount on the same day XX/XX/2021 and requested agency to please remove collection as this not legit because miscommunication between everyone and no one reached out me from collection agency on this due and as well XXXX  did not file claim with my 2ndary insurance yet who supposed to try that option before all this.
Product: Debt collection

Filed numerous false statements in response to CFPB complaint number XXXX. They provided no evidence to back up their statements or allegations as was requested in my complaint. 
They made a false statement to the CFPB that I called their office to split my XXXX 2015 payment into 3 payments and then I did not pay the final payment after that and that they were unable to get in touch with me. 
Blitt and Gaines REQUIRED me to provide my bank account information to them so that they could withdraw money from my bank account. 
Blitt and Gaines provided a settlement agreement in writing CONTRARY to what they REQUIRED me to do. 
Blitt and Gaines ILLEGALLY AND WITHOUT AUTHORITY that they CAN NOT CAN NOT prove withdrew unauthorized amounts of money from my bank account. 
Blitt and Gaines added legal fees to my account that they can not substantiate. 
Blitt and Gaines NEVER sent me an original right to dispute letter and NEVER contacted me that I owed any additional unpaid funds. 
I could NOT HAVE OWED UNPAID FUNDS SINCE THEY TOOK OVER MY BANK ACCOUNT. They told me I had to have money in my account at all times and they would withdraw the money. 
They NEVER sent me a receipt. 
They NEVER sent me proof of what I owed. 
They NEVER sent me ANYTHING from XXXX XXXX to show that they had the right to collect, and or that the money I paid ever actually was paid to the XXXX XXXX people. 
I have previously filed a complaint here. I previously have filed a complaint with the state of Illinois Attorneys Review and Disciplinary Commission.. Blitt and Gaines has been unable to substantiate anything they are alleging and should be prosecuted to the fullest extent of the powers of the government including false statements and seizing unauthorized property, putting nothing in writing to seize the property, and providing no receipts.
Product: Credit card or prepaid card

Unfortunately, my wife filed the first complaint under her name XXXX XXXX and I am the card holder, XXXX XXXX. I have been ill for over two years and she is my power of attorney and handles all this for us. Her complaint number was XXXX filed on XX/XX/22 with all the pertinent information about two outdoor ceiling fans ordered from XXXX that we did not order or receive or have any place to hang them. We have already cancelled our credit card with Synchrony and paid all the charges we made in full and refuse to pay for something we did not order or authorize or receive.
Product: Payday loan, title loan, or personal loan

This is a loan contract company that survives off of predatory lending practices and only targets medical professionals. I entered into a contract with Bankers Healthcare Group in XXXX of 2018. The original amount and payment as noted in the documents changed, the payment is almost the same as well as the amount, but the interest charge and terms are much higher. These funds were used to pay off a student loan through XXXX. Looking back, the only difference between XXXX and this group is that XXXX is involved in multiple class-action lawsuits. Banker 's Healthcare Group should be as well. My husband and I were both heavily affected during the last two years by the ridiculous shutdowns and lack of patients/business. I work in XXXX XXXX as a XXXX XXXX for the last seven years. My hours were cut heavily by the hospital by over 30 %. We could not afford this $ XXXX predatory loan payment at over 20 % interest. We paid over {$12000.00} in payments. The balance is almost the same as the original loan amount. This is another sign of a predatory lender. After a three month deferment, we contacted them for additional options. They did not continue to draft payments, nor did they return any calls on available options. We did receive a call to borrow more money. Bankers Healthcare filed a lawsuit against me. They are suing for over {$37000.00}, more than the original loan amount and not including the {$12000.00} in payments made. These types of companies are harmful to consumers, and should not be in business to prey upon medical professionals. The original terms were changed from what was discussed, the loan was setup from the beginning to be very difficult to pay with the high payment, fees, interest rate and term. 
We do not have funds for a lawyer, and this should be something that is looked at to prevent other consumers from falling into this lender 's trap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card # : XXXX, XXXX XXXX credit card # : XXXX, and XXXX XXXX XXXX  XXXX XXXX credit card # : XXXX is lost/stolen, and all the charges/transactions on the accounts are fraudulent and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account does not belong to me, called fraud department they sent me forms and I filled them out and still not response or action.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding TransUnions mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with TransUnion XXXX handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my TransUnion 's credit report : Credit Acceptance account number XXXXXXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX **** Despite submitting evidence to support my dispute, TransUnion failed to conduct a proper investigation. Specifically : 1. XXXX XXXX : TransUnion failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
2. Failure to Provide Investigation Results : The response I received from TransUnion vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that TransUnion may have improperly reinserted information I previously disputed and believed to be corrected. 
TransUnions actions appear to violate the following : XXXX XXXX XXXX XXXX  ) : Failure to conduct reasonable investigations of disputed information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If TransUnion the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If TransUnion can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 


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

While reviewing my credit profile, I noticed an unfamiliar debit listed under my account. After careful inspection, I realized it was associated with a charge I did not recognize. As a XXXX  to my father, the account was closed back in XXXX, But I was born in XXXX how could this possible be mine this debit could potentially be tied to my fathers history. I promptly reached out to the company for clarification, explaining the situation and requesting that the charge be removed from my profile receive no response. This false information is harming my credit profile.
Product: Credit card or prepaid card

I initiated a balance transfer from my XXXX XXXX XXXX XXXX XXXX Credit Card to my Barclays Frontier Airlines Master Card to take advantage of a zero percent APR offer. The transfer had not been completed within 7 days so I contacted Barclays to ensure everything was being processed. After verifying the account information the representative with Barclays informed me that everything was correct and that I needed to wait 15 days for the transaction to be complete.

The transfer had not been completed after waiting the 15 days so I followed up with Barclays again. This time the agent said that they had transposed some numbers on the account and needed to update the information. I was told that the transfer would be completed within seven days.

The balance transfer was not completed after waiting the 7 days that the agent said it would take so I followed back up. At this point, I spoke to a manager who informed me that the request for account information update had not been processed and it would take another two weeks for that to happen. I informed the manager that I no longer wanted to do the balance transfer because Barclays had not followed through with resolving this issue. The manager told me that the transfer would be canceled and the charge would drop off my card in seven business days.

The charge was still on my card after the additional seven business days so I spoke to another manager at Barclays. I was informed that this was still under investigation and they could not give me a date as to when the charge would be removed from my Credit Card. 

Timeline : XX/XX/2021 - Transaction for Balance transfer of {$950.00} posted to my Barclays Master Card XX/XX/2021 - A Balance Transfer Fee of {$19.00} was charged to my Barclays Master Card Approx. XX/XX/2021 - XX/XX/2021 - I contacted Barclays and was told to wait 15 days after the transaction was posted to my acount. 

Approx. XX/XX/2021 - Contacted Barclays and updated account information. I was told this would post in 7 days. 

Approx. XX/XX/2021 - Contacted Barclays and said I would like to cancel the transfer after learning that the change in information had not been completed. I was told that the transaction would be off my account within 7 days. 

XX/XX/2021 - Contacted Barclays and was told that the transfer was still under review. The request to cancel the transfer had not been processed and that it would be reviewed. 

Problem : The original {$950.00} that was to be transferred from XXXX XXXX XXXX XXXX XXXX is still on that account accumulating interest. 

A new balance of {$950.00} + {$19.00} Balance Transfer Fee was posted to my Barclays credit Card on XX/XX/2021. 

My Credit report was updated to show a balance of {$960.00} on my Barclays account in addition to the {$960.00} on my XXXX XXXX XXXX. 

A minimum payment of {$29.00} towards the {$960.00} that was not transferred to my Barclays account is due on XX/XX/2021.
Product: Debt collection

On XX/XX/2019 Hunter Warfield Debt Collection Agency XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX-XXXX-XXXX-XXXX entered a debt collection on my credit report for a debt that I do not owe. It claims I owe XXXX  XXXX XXXX XXXX {$620.00} dollars account # XXXX which is untrue. I never resided at XXXX XXXX XXXX and never signed a lease or other contract agreeing to moving into a unit. This apartment complex is poorly ran where leasing employees keep sloppy records and mess up applicant credit reports via reporting things untrue. Infact, XXXX XXXX XXXX issued me a refund check for {$770.00} dollars. I demand that Hunter Warfield investigate and remove this erroneous debt from my credit report immediately and send me written confirmation of debt removal from my credit reports and undated letters of correction to all that have received my credit report within that last 60 days showing correction. I do not owe this debt. I did not agree to any contract with XXXX XXXX XXXX XXXX incurring a debt.
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX