23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX Gym continued to bill me after I cancelled my membership. I joined this gym end of XX/XX/XXXX. Froze my account XX/XX/XXXX, cancelled membership XX/XX/XXXX. XX/XX/XXXX I see a charge from the gym again. I called the XXXX XXXX manager, who said he 'd cleared my account and that I should call his gym 's headquarters, XXXX that handles billing for him. I called XXXX, the rep. also told me that my account is cleared with them. This was back in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency stating I owe XXXX Gym {$51.00}. I ca n't call the gym, as it 's closed now. So I called XXXX, now they tell me they tried calling me in XX/XX/XXXX about the charges, that even though membership is cancelled they charge XXXX more month of dues ( XXXX ) and an additional return fee of {$25.00} XXXX I had disputed the XX/XX/XXXX charge with my credit card ). I wish XXXX told me about the XXXX more month charge when I spoke with them in XX/XX/XXXX Also nothing about XXXX more month payment was when I was signing up with XXXX Gym. These deceitful practices must stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you again because I filed a complaint about TransUnion on XX/XX/20 complaint number XXXX letting them know that These accounts listed on my credit report are fraud. I have explained to TransUnion representatives several times but they continue to report Fraud accounts. The accounts for Division of Child Support, XXXX XXXX, XXXX, and XXXX XXXX are not mine. I have not received anything from these companies & did not give them my information to open any accounts. This stuff does is all FRAUD. 
They responded with We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 
I submitted this complaint for this same reason they never do anything to get issues resolved as of today XX/XX/20 they are still reporting these accounts. I am asking again to please delete these accounts from my credit report.
Product: Checking or savings account

The bank this is in reference to is HSBC BANK. I tried using my card to pay my rent and it said that my card was invalid. I tried three more times same status. I contacted the bank and it said I need to wait until Monday and talk to the fraud department. I called they never gave me a reason why my direct deposit was placed on hold. I went to the bank location same results. No one knew what was going on. It has been two months, if I dont call I hear absolutely nothing from them and still no reason for holding my money and said they was closing the account. I just called again today XXXX XXXX. Still the same results just saying that they will note that I called but I still have no results. Ive became homeless because of this incident all while Im fighting XXXX.
Product: Credit reporting or other personal consumer reports

There is an unauthorized hard inquiry on my report that needs to be removed made by this company as of XX/XX/year> According to the FCRA unauthorized items are to be removed I have file my FTC complaint and attached it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Westlake Financial Services XXXX I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.
Product: Money transfer, virtual currency, or money service

There was a complaint before but you sent the complaint to the wrong company. I filed a new complaint by phone in XXXX of last year but the complaint has been lost. The is a Bond Instrument from my former employer XXXX XXXX and Barclays PLC was the issuer. XXXX XXXX XXXX is the broker. Barclays has hired outside counsel and has admitted the bond is mine but they can not act for me. Financial Ombudsman has stated that this Bond was recorded incorrectly and looks like it is being held at a company XXXX XXXX which may be a fake company to hide the funds. The SEC, OCC, FTC< resolver, and Financial Ombudsman are involved with this matter. I am asking for this complaint to be sent to the correct company at Barclays PLC and their attorney. I have additional information I need to provide to you.
Product: Credit card or prepaid card

I did a reservation for a car rental through XXXX XXXX XXXX on XX/XX/2018. The amount was for XXXX. The transaction was cancelled on the same day. For some reason my card was charged in the about amount on XX/XX/2018. I sent in proof to the FI, but they have denied my dispute claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019an iquiry appeared on my report. I would simply like it removed.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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 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

Hello and humbly thank you for your support and or assistance. It means a lot to have you working during this crazy time in our country. I'm a little emotional as I type this complaint because I do not complain about anything. Last year XXXX  I began to question the accuracy of the reporting on my credit report due to a bankruptcy listed on my public record. I followed a strict process to doing what the law requires as to validating this information. XX/XX/2019 I reached out to ask The United States Bankruptcy Court XXXX District of Georgia clerk office if they have anything to do with sharing information with the bureaus. They responded to me that they do not report anything to either Transunion, XXXX, or XXXX. They do not report to any third party sources anything about the status of a persons public record pertaining to bankruptcy 's ; however, XXXX  transunion as well as XXXX  have all stated that their reporting is accurate. The challenge is XXXX  is spelling my name 100 % incorrect on my report and I have addressed this with them before. I have all of the certified letter receipts from mailing them off. I must have mailed 30 letters of the same matter with little to no results. With that in mind it would be impossible for these companies to state they have verified this reporting as accurate when the clerks office can not and will not confirm or deny the claim as a first hand source. Its been almost a full year that they have been breaking the law ... I have requested time and time again sending them the proof of what the clerk office sent me to show them that it is  impossible that they can use their 3rd party source as accurate. Also XXXX  matches my social with a name that isn't mine.
Product: Credit card or prepaid card

Bank of America offered a no interest for a year, no balance transfer fee XXXX. We wanted to manage our debt with no balance transfer fee. Filled out form but received a different Cash Reward card instead and they charged {$200.00} plus in balance transfer fee. Called and spoke to 4 reps who kept transferring my call asking same questions until they disconnected me. This took an hour. I only wanted balance transfer fee removed from card. It seems like a bait and switch.
Product: Debt or credit management

When I reached out to the company it was to help me repair my credit. I had to pay {$190.00} up front and a monthly fee. After 4 months of seeing no change I contacted the company and was told my account was being worked on but still to this day nothing had ever been worked on. I ended the services due to when I called to get updates the person I spoke to was rude and was not able to give me an update but kept asking for all my personal information such as my ID number and Social Security Number. I was uncomfortable with the way the call was going I asked to speak to a supervisor and was placed on hold and then the call disconnected.
Product: Debt collection

RPM prematurely reported a collection account to XXXX, disregarding my request for validation, and prior to the initial collection letter sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATEOR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDITREPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My credit report has an inquiry I don't recognize, I did not give permission to this company to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a nutshell, I'm unable to do a balance transfer with the new card, stuck paying 19.99 % AND CITI damaged my credit score. Approximately 3-4 months ago I received an offer for a CITI Double Cash rewards card with  a decent available credit limit of $ XXXX. CITI apparently did a hard credit check and damaged my credit score by appx.100 points. I have contacted them multiple times for some sort of resolution but no luck. Furthermore, I would really like to do a balance transfer from another CITI card in an effort to utilize the 0 % interest, instead of the 19.99 % interest on the current CITI account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this issue, however I have not been successful.
Product: Credit reporting or other personal consumer reports

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. THIS ACCOUNT DOESN'T HAVE EXACT INFORMATION AND STILL APPEARS IN MY CONSUMER REPORT. 
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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.
Product: Debt collection

To whom it may concern : I received a notice from USAA auto insurance saying that on XXXX XXXX, XXXX, their client alleged that while I was leaving a parallel parking space on a XXXX XXXX, I backed into their vehicle and fled the scene. USAA alleged that their client took their vehicle to the claims adjuster and they adjudicated the claim in the amount of {$130.00}. 

When I called to inquire about the allegation, USAA claimed that their client had a video of the alleged incident. In complete disbelieve that USAA alleged that my vehicle caused {$130.00} worth of damage to their clients vehicle, I requested, in good faith, to view or receive a copy of the video to determine that it was indeed my vehicle responsible for the incident -- USAA, over the course of two months, neglected to communicate with me nor send a copy of the video. 

In XX/XX/XXXX, having received no communication from USAA, I wrote them via their web portal requesting them to dismiss the claim. The company, again, did not respond to my inquiry and instead sent my case to collections.
Product: Debt collection

The company XXXX XXXX was contacting me and attempting to collect a debt for my father, XXXX XXXX without his or my permission or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XXXX Date Opened : XX/XX/2018 Balance Owed : {$9500.00}
Product: Debt collection

I agreed to a payment plan of back in XXXX of XXXX  for {$92.00} .. Every Time I pull my credit report it says I have a pass due balance I have not missed a payment in 2 years since payment agreement was made.
Product: Student loan

The amount demanded far exceed what I can pay without being completely impoverish. The company refuses to be complient with my needs, therefore no payment plan is reached and no payments are made, driving up the debt exhorbitantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is all the evidence and records proving that Experian is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof. 

An investigation needs to be done regarding Experians abusive and reckless method of verification process. 

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Experian, A copy of this dispute will be used as evidence if needed. 

The following information is being reported inaccurately, falsely and unfairly by Experian. 

XXXX XXXX XXXX XXXX # XXXX On XX/XX/2018, at XXXX, I called and spoke to a representative at the XXXX XXXX XXXX and she notified me that Experian did not send them any of the documentation I sent Experian regarding any dispute and they in turn did not send Experian any documents regarding this account. So what did Experian use to verify? ... She also informed me that they have NO SIGNED PROMISSORY NOTE whatsoever for this account Experian is reporting. 

Experian is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Experian 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Experian to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Experian who verified the dispute with the XXXX XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Experian can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 

Experian must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX v XXXX  XXXX XXXX XXXX XXXX v XXXX ( Experian ) The XXXX  data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, Experian does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see Experian 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.
Product: Debt collection

Subject : Consumer Financial Protection Bureau Complaint Against Waypoint Resource Group Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Waypoint Resource Group regarding inaccurate credit reporting information and unjust collection activities concerning an alleged debt attributed to my name. Despite my repeated attempts to resolve this matter directly with Waypoint Resource Group, they have failed to provide adequate documentation to substantiate the validity of the debt in question. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX. My direct contact number is XXXX. 

The specifics of my complaint are as follows : 1. **Inaccurate Debt Reporting** : Waypoint Resource Group has reported an outstanding debt associated with my name, yet they have failed to provide sufficient evidence validating the existence and accuracy of this debt. Despite my requests for documentation, including signed contracts or agreements pertaining to the alleged debt, Waypoint Resource Group has neglected to provide such evidence.

2. **Violation of Fair Debt Collection Practices Act ( FDCPA ) ** : Under the FDCPA, debt collectors are required to provide accurate information regarding debts owed by consumers. Moreover, the FDCPA prohibits debt collectors from engaging in unfair or deceptive practices. Despite these regulations, Waypoint Resource Group continues to pursue collection activities without providing the necessary documentation, thus violating my rights as a consumer.

3. **Demand for Resolution** : I demand that Waypoint Resource Group take immediate action within 30 days of this complaint by providing documentation validating the existence and accuracy of the alleged debt. Furthermore, I request that all collection activities related to this alleged debt cease until the requested documentation is provided.

Failure by Waypoint Resource Group to comply with this demand will result in legal action. Any continued attempts to collect on this debt without providing the requested documentation will be considered further violations of the FDCPA.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Waypoint Resource Group for their failure to adhere to federal regulations governing debt collection practices. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to address this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Direct : XXXX cc : Attorney XXXX XXXX XXXX.
Product: Debt collection

I have been paying on a promissory note related to a settlement since XXXX 2015. I have never missed a payment. 

However, a collection agency, Stuart-Lippman and Associates, started calling me stating that a payment was not made, and that if I do n't pay the required amount, then, I will be in default, and they will start the lawsuit all over again. 

The person from Stuart-Lippman claimed that I had to pay {$790.00} plus an additional payment of {$620.00} for a previous month to consider the settlement not in default. If I did not pay, then, he threatened that the settlement would be null and void. 

Then, subsequently, when I said those numbers did not make sense, he pressed and said the balance was more than it was, and falsified additional payments amounts to pressure me into making payments that were not required. 

Under the note, the payments are only {$500.00} per month. When I said he was wrong, and that he is violating Consumer Protection laws by making false statements, he then, retracted his statements and basically agreed that it was {$500.00} per month. 

Though he has retracted what he meant, he was still previously pressuring me and providing false statements to entice me to pay a higher amount that was not required, which is illegal.
Product: Debt collection

The name of the collection agency is Portfolio Recovery Associates and the original creditor is XXXX. I made several contacts with this agency to get more information on the debt. I was told XXXX time that I owed the debt. I need more proof that I actually owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, after multiple unsuccessful attempts to contact a merchant, I submitted 4 total disputes about charges to my XXXX  XXXX XXXX credit card, which had been double-billed both to my XXXX and XXXX cards. A few days later, I got an alert on XXXX XXXX that my credit score had dropped by about 20 points. I checked my Experian credit report online and it showed a comment : " Account in dispute -- reported by subscriber ( fcba ). '' That's just not true -- I disputed a few charges, not the whole account. 

After many calls to XXXX in which they displayed a total inability to correct a mistake they made, I tried calling Experian. I didn't want to dispute this account through their online process because the account already is in dispute, and after much XXXX I also wasn't able to find a number to call to file a dispute. Experian 's online instructions tell you to call the number at the bottom of the credit report they send to you, which you ... have to pay for, apparently? I wasn't able to find any such option available when viewing my credit report online. This is just absolute failure, a chain made entirely out of weak links. XXXX doesn't have an option internal to their organization to resolve this error, they point you to Experian, which makes it nigh on impossible to get anything fixed.