23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Debt collection

On X/XX/17 I contacted this company to get written notification of the amount owed so I can secure a certified check and secure record. The person I spoke with refused to send me anything, saying letters were sent years ago to an address in Wisconsin. I explained I can not pay, but want to pay, but I need a letter. I asked to speak to a supervisor and he explained he was the director and I am not going to speak to anyone else. I want this off my credit report, he stated he does n't care if if I pay it off or not, and it could stay on my credit report forever, he just did n't care. His tone was overwhelmingly aggressive and intimidating, unprofessional and his tactics are terrifying.
Product: Debt collection

Thank you for reviewing the complaint. After reviewing the credit report Mericredit which is collecting on behalf of XXXX XXXX XXXX XXXX XXXX continues to place items on credit report. Requesting validation of all information pertaining to the amount displayed. If coverage was out of the network, no financial assistance wasn't offered.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a reservation with AmexTravel with my American Express XXXX XXXX for a trip that was supposed to last from XX/XX/XXXX until XX/XX/XXXX. Unfortunately, on XX/XX/XXXX, I tested positive for XXXX and was unable to travel back home. I was notified by the XXXX XXXX XXXX XXXX that I was able to quarantine there as long as I paid for the stay. They told me it was okay to book through Amex XXXX again and to notify them once I made the reservation. 

After making a reservation for {$3000.00} I called the XXXX XXXX XXXX XXXX and they told me they did not receive the reservation. I then went back a few hours later to check for the reservation confirmation and recognized that I had booked the wrong hotel. This hotel was the XXXX XXXX XXXX in XXXX. 

Directly after I found out that I booked the hotel, I called Amex Travel to clarify that I had booked the wrong hotel. They told me that although the reservation was non-refundable, since the reservation was going to be canceled within 24, and that I wouldn't be staying there, they would refund the total amount. There were some discrepancies with reaching out to the hotel ; however, after 6 months, the XXXX XXXX resort told Amex Travel that it was okay to issue the refund. 

As I did continue my stay at the XXXX during my quarentine which was a total of {$3000.00} on top of my original payment for my original reservation, I found out that I tested negative for XXXX, 5 days into my assumed extra 10-day stay. With that, I was able to be released from quarantine and was able to cut my extra stay at the XXXX XXXX. The hotel told me that they would refund the extra part of my stay which would total {$1500.00}. The hotel refunded this amount to my card. 

I realized that I never received my refunded for {$3000.00} from Amex Travel. There has been 6 months of correspondence, and 6 months of representatives from American Express XXXX XXXX and Amex Travel stating that they refunded the total amount. But I have also received correspondence that they credited, and then billed back {$1500.00}, this half back to me stating that I was no longer disputing the amount which I never disputed. I disputed the total amount I also got correspondence that half of a refund for {$3000.00} has been refunded to my account but I am not being told why only half of that amount has been credited to my account. I continue to be told that my issue would be solved within 14-30 days ; however, it has been 6 months. Every time I am told that the issue has been solved, it has not been solved.

In total, I should have been refunded approximately {$4500.00} from Amex Travel and I have only received {$1500.00}.

I pay {$700.00} a year for this card and I should not be receiving such a hard time for a charge that vows upon excellent credit card service. I have never had an issue like this with credit cards that I pay {$0.00} a year for and this is extremely disappointing, especially since I have been charged interest for these charges over the past six months.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to withdraw funds from a BofA at a different location than our home bank. The ATM declined to release funds, citing suspicious activity. I am unaware of anyone else relieving the BofA of my funds at the time. I called to have the hold lifted, by phone to no avail. 
I then made numerous attempts both by phone and by entering the local BofA. Each time I was unable to straighten this out. 
The people from the bank would not help at all. They wanted the payee to come in. I showed a police report of a robbery that caused him to enter the XXXX. He is not capable of leaving the place, because he is not only able to walk ( XXXX XXXX XXXX XXXX XXXX XXXX  ) and he has XXXX which i was told by XXXX XXXX that he will never leave where he is because of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX. So now, not only he can't travel, but neither can he tal. Recently had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After numerous attempts to withdraw my funds, I am about to lose my vehicle ( impounded ) nor am I able to pay rent, utilities, non food items, etc. so on XX/XX/XXXX, I entered the bank to demand they give me my money, then was told I had XXXX in my account. It should have been $ XXXX. When requesting to see last XXXX transactions, the teller refused and despite being told of my brother 's demise. 
Instead of assisting me, they give away my money. This is blatant discrimination. 
I have no money, i am XXXX and XXXX. They are costing me my car. They need to pay for this XXXX XXXX I'll find out their names, only if they be reprimanded for how XXXX being treated. 
I hope they feel the impact that I feel.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with MBA LAW plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information Solutions , Inc. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Unknown Creditor Reporting XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, OR XXXX Account Ending : XXXX Alleged Account Balance {$0.00} Alleged Credit Limit {$500.00} Allege Available Credit {$500.00} VALIDATION AND CEASE AND DESIST To Whom It May Concern : I received a notice from the national credit bureaus that you have listed a negative report on my credit report ; however, I have no idea who you are and have never had any business transactions with your company. If, in fact, I have an available credit of {$500.00} and a credit limit of {$500.00} and owe a XXXX balance, why on earth would you be reporting this to my credit reports? 

Can you supply me with a contract or agreement signed with your company? 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED WHICH IS XXXX BALANCE. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR IF THERE WAS ONE. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount again showing a XXXX balance to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 

______________________________ XXXX XXXX
Product: Debt collection

Two collections for XXXX and one for XXXX are on my derogatory marks.Received nothing from said company about these debts no letters email or phone calls just randomly popped up on all my credit scores why was i never reached or notified. Its says for XX/XX/XXXX i was no where near this place in question i was at work. Again no letter or anything i'm pretty sure i would know if i went to this place and received service this just plain has fraud written all over it where is the proof.If you go on XXXX  you can see all the complaints against them making fraud claims on people intentionally trying to destroy peoples credit. They definitely are not running a legit business.
Product: Debt collection

Navient is stil getting lid on time and they still call harassing me.
Product: Credit card

Have been trying to ask them for help with consolidating or remedying my debt with them and every time I am refused any help at all. I get very mean and loud agents who insist I pay the entire amount up front to keep from having more issues with Discover Card. Some threatening me with insulting ways of paying the debt or just being stringent on not helping find a way to get my debt settled with them.
Product: Mortgage

At the end of XXXX my mortgage was transferred from my previous lender to the new lender Fifth Third Bank. My previous lender sent me numerous emails and letters explaining what was going to happen and I thought nothing of it, Ive had my mortgage transferred before so no big deal. On XX/XX/XXXX the mortgage was officially transferred, and on that day I got a letter from my previous lender that they are officially no longer the people I send money to, and they automatic payments have been stopped and that the new company Fifth Third Bank will take over and send the info shortly. I waited a week and still got nothing then on XX/XX/XXXX I got my new mortgage statement for XX/XX/XXXX from Fifth Third Bank, already 9 days late telling me how much I owe, which is this month and for XXXX which is weird but fine I can pay that no issue. They tell me to go online or call, so I go in their website and try to make an account but I cant it keeps telling me to either go to a branch or call. So I try this for a few days until about XX/XX/XXXX where I say fine maybe I can go to a branch then and I can get sorted. Well turns out Fifth Third Bank doesnt have a branch in Rhode Island XXXX or any in XXXX XXXX for that matter so I figured fine I will call. Every single week day from the 18th to today XX/XX/XXXX I have tried to create an online account to no avail, and I have called them every week day thrice a day to get in contact with someone who can help me, but after 5 mins of hold I get told to leave a message which I did but still no response. Now I still currently owe XXXX $ for my two months of payments they want and I still cant pay them even while I have the money to do so because they are impossible for me to get in contact with.
Product: Credit card

They keep charge me and XXXX report on my credit report I respect to get all my refund
Product: Checking or savings account

I requested a Bank of America XXXX XXXX which I never received, I went to the branch about my card because virtual card was locked, when I received card in the mail, my card was unable to activate and my funds were used from my account with different debit card number. Bank of America denied my claim and refused to investigate and to reimburse me with a XXXX liability policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters explaining it was inaccurate information on my credit reporting In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX found that XXXX XXXX  Account # XXXX was inaccurate and removed the accout. Transunion and XXXX is still reporting the account which is in violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.These are the accounts : XXXX XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00}.
Product: Payday loan, title loan, or personal loan

I made a purchase with the understanding that it was interest free for XXXX  months as long as the payments were made. Turns out that was not the case when I discovered dignify, I was accruing interest on my account. I attempted to make another payment to close the account. This payment failed without error. It just never happened - two days latter when I did not see the debit from my XXXX checking account ( the same Ive been using for online payments since inception ) I phoned customers service and was informed that I could not make any additional payments for another 15 days or I could pay a {$4.00} fee and unknown amount from my XXXX checking account I could avoid another annual fee which was another surprise. The supervisor I spoke to earlier this evening was less than helpful and offer the solution of waiting another 15 days.
Product: Credit card or prepaid card

2. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

Hi, and how are you doing during this COVID-19? This is directly involves my capital one account with credit limit of {$5000.00} that was marked late on my credit report between or around XXXX 2020 for 30 days late. I was actually shocked when I reviewed my credit report and found that late payment on my credit report. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting 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. 


I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a loan do to inaccurate information on my credit report that I have disputed year agoXX/XX/XXXX# XXXX, I HAVE NO KNOWLEDGE OF THIS ACCOUNT please delete it at once. I also have a bogus default judgement that showing on my credit report Case No.XX/XX/XXXXXXXX XXXX that was a vacated judgment ( VOID ) I need that deleted at once it is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$320.00} reported balance Date opened XX/XX/XXXX Delinquency reported XX/XX/XXXX XXXX XX/XX/XXXX. 
This has inaccurate dates and amount due. Iam requesting that this account be removed/deleted off of my 3credit bureau reports and FICO SCORES!
Product: Credit reporting or other personal consumer reports

Dear Mr./ Mrs . 

I am writing you this letter regarding payments that were marked late by your company for the following on the following date ( s ) : XX/XX/2021 It is my understanding that per 15 USC 1681 ( a ) ( 2 ) A ) 0 ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the date specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & Transunion or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BCAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AN DNED TO BE DELETED FROM MY CREDIT REPORT. XXXX XXXXXXXX {$850.00} XXXX XXXX {$490.00}
Product: Credit reporting

I did n't receive a proper response from XXXX or Experian as to how the result of Charges from XXXX XXXX XXXX XXXX, can be charged with 3 large amounts and they can verify your identity properly with the merchants bank and just call it a valid charge, and XXXX is telling me only to dispute the charges with the merchant and it 's not fraud, and basically the police report did nothing to supposedly " write off the charges ''. Words ca n't describe how frustrated that I am with them. I should have the charges removed and the account removed since I have charges on there, from almost 4 years ago, and none of them should have been stated as made by me, because I never saw any of the transaction go through at all regardless of what ones were signed for. It is against New York state law, called forgery in the second degree, when somebody unrelated to you forges your signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I disputed some inaccurate late payments with XXXX through XXXX, Transunion and XXXX. The discrepancies were corrected. After the disputes were handled, these accounts are being reported to the credit bureaus with " dispute remarks ''. I have contacted XXXX directly and asked them to remove the remarks since the dispute has been resolved. XXXX responded that there were no accounts under dispute. The next reporting period, they were still there. I then contacted the three credit bureaus. XXXX removed immediately and they have never showed back up. Transunion and XXXX removed immediately but the remarks returned shortly after during the next reporting period. I then contacted Transunion and XXXX again the following month, with same results. I need to have these remarks PERMANENTLY removed in order to purchase our first home. This is the only obstacle standing in the way please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and GM Financial. The Account Opened is GM Financial Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.