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

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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: Debt collection

on XXXX XXXX i recived a phone call by a debt collector in regards of a collection that i never have no information about this accounts they are claiming .i do not have any attention on paying this company not a pennies am refusing to pay them.they have herassed me by calling me phone none stop repeatedly.they have violated my rights under fdcpa see15 U.S. Code 1692d - Harassment or abuseA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except i will not pay this company, if they try to contact contact me again i will file a civil law sue..
Product: Credit card or prepaid card

On XXXX XXXX /2017, a purchase was made at XXXX in NYC on a new credit card which I have never received for the amount of XXXX. After numerous calls to the Bank of America, letters, Police report, and proof I was at work in New Jersey on that day and send by certified mail to the fraud division in Texas. I asked for proof of signature and how the card was activated without my knowledge and proof security ( my home phone number ) I called the customer services/fraud division. Every time I got a different story.
Product: Debt collection

STELLAR RECOVERY/XXXX has consistently troubled me over a debt of reported {$860.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

STELLAR RECOVERY must delete erroneous information from my credit report with deliberate speed. 

Thank you!
Product: Checking or savings account

This complaint has already been file on XX/XX/2012 I am sending documents.
Product: Debt collection

Bursey & Associates ( or a law office affiliated with the ) called me at my employer and stated that they tried to reach me " 15, 16, 17 times '' in person at the address of XXXX XXXX XXXX XXXX, XXXX AZ, XXXX ( the residence of my parents ) to serve me a lawsuit over a credit card debt of {$600.00}, saying that only once " an old woman peeped through the door and said she didn't know where I was. '' This is inaccurate, since my mother and father said no one ever attempted to reach out to me at their residence at any time. I told them that I would meet them at XXXX that day, to which they replied that " well we tried meeting you at XXXX XXXX, XXXX XXXX, XXXX XXXX ... '', to which I responded that I would absolutely meet them the next day at XXXX. However, no one showed up to my parents residence, but XXXX days later, someone STILL showed up my work and served me with a lawsuit.
Product: Money transfer, virtual currency, or money service

A money transfer for {$1000.00} from the US to XXXX was initiated via Xoom in XX/XX/XXXX. The transfer was not successful, Xoom admitted to this and agreed to refund the amount. The refund has not been made yet ( as of XX/XX/XXXX ). 

Detailed timeline : XX/XX/XXXX, XXXX XXXX  : transaction for {$1000.00} initiated ( US to XXXX XXXX XX/XX/XXXX, XXXX XXXX  : Xoom confirmed successful completion of transaction ( however, it was not successful ) XX/XX/XXXX : I provided bank statement details of both my bank accounts ( XXXX and US ) showing that the transfer never happened. Xoom responded by saying they will check with their banking partner in XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : Xoom sent me an email saying that 'Xoom or our partner has encountered an unexpected problem ' processing this transaction, and they agreed to refund the money to my US account. 
XX/XX/XXXX : Xoom sent me an email saying the automatic refund failed and they need to send me a check, and asked for my mailing address which I provided. 
XX/XX/XXXX : Xoom sent an email saying they mailed out the check and that I should receive it in 10-15 daysXX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX: multiple calls to Xoom to check on the status of the refund, since I did not receive the check. 
XX/XX/XXXX : Xoom sent me an email asking if I received the check, I responded negative. 
XX/XX/XXXX - XXXX, XXXX : multiple calls to Xoom to check on the status of the refund, since I did not receive the check. Same answer each time : this case has been sent to XXXX and they are waiting for a response.
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize the following inquiries to be made : Wells Fargo Dealer S XXXX XXXX, 2016
Product: Credit card

In the past 4 days, we have received 4 letters of denial from Chase Credit card stating that they denied our request for a card. We never requested a credit card from Chase.

Furthermore, I have been receiving phone calls for over a year now from someone claiming that they are from Chase saying that there is fradulent activity on my card. I tell them that I don't have a card with Chase. 

I believe both of these are connected and someone has stolen our identity in order to try open credit cards in our names.
Product: Credit reporting or other personal consumer reports

1. I was removed as an authorized user on the XXXX XXXX credit card ( I confirmed with XXXX XXXX over the phone ) under my ex husbands account ( XXXX XXXX ). It is showing on my credit report after numerous attempts to remove. 

2. XXXX XXXX XXXXXXXX is reporting two open credit cards on my credit report, I only have one. Confirmed with XXXX in numerous occasions that I only have one credit card ( ending in XXXX ). The one starting with XXXX is not mine or needs to be closed. It is showing on my credit report after numerous attempts to remove.
Product: Credit card or prepaid card

Working with Citi, we had taken advantage of a balance transfer with the promotional period having 0 % interest expiring in XX/XX/2023. 

As we were making payments they offered an additional balance transfer promotion with 2.99 % interest. When we received this offer, we contacted them to see how it would work having two promotional programs active. We were assured that we could finish paying off the 0 % promotion that ends in XXXX of 2023, and then pay the other balance off. We made a payment in XXXX of 2023, and Citi split the payment between the 0 % and the 2.99 % promotional balances. When we contacted them to pay off the 0 % in XXXX completely, they advised that it was impossible. We were told the federal law says you must pay the higher interest rate off first before the 0 %, and there was no way around that or the IRS would get involved against Citi. 

When we questioned the representative about how this is essentially setting people up for failure to pay off the 0 % promo balance without incurring the deferred interest, were were met with essentially, tough as a response. 

When we questioned why then was the last payment split between the two, which in their words violated federal law and should be reported, we were met with resistance and anger. Upon further pressing and advising that we would be reporting this incident ourselves, the manager stated he would extend the 0 % promotion for 12 additional months. 

While this may have resulted in a positive outcome for us, this is deceptive and inappropriate business practices. Some folks my not be able to advocate for themselves with a positive result and it should be looked into.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing because I filed a dispute on inaccurate information on my credit report on the below address and accounts. Experian failed to follow up with the investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and consumer law. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above-mentioned address has never been mine and the credit report has incorrect amounts on accounts. 
I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). CFPB alleged the company accepted unreliable information and failed to notify consumers dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. and have violated federal laws. I'm requesting these derogatory remarks be immediately removed as it is affecting my chances of getting a car. 

Thank you
Product: Debt collection

I saw this debt from XXXX on my credit report the original creditor being comcast. They have never previously contacted me or gave me an option to dispute it. When i called them they said that the account was opened in XXXX and closed in XXXX they have the account being reported as opened in XXXX. I told them i had never had XXXX and the information they had on me was incorrect and she was basically like too bad. Give me the correct information which i did not provide. I got extremely frustrated and asked them to validate the debt with my signature showing i opened the account. She said they did not have my signature and they were not required to get my signature because they didnt buy the debt they are just trying to collect it. Knowing i have never had an account with XXXX i called them they had no record of me so i went online and tried to pull the account up and again no record of me. I have disputed this debt with the credit bureaus multiple times and some how waypoint is verifying the debt with them but how there is no account in my name nor was there ever. they have never sent me a letter called me emailed me or anything. They also have the service address in XXXX XXXX MO in XXXX and i live in Kansas. They want me to report it as fraud but again i have nothing from them.
Product: Debt collection

On XX/XX/XXXX, I called phoenix financial because I had received a collection letter in close likeness to my mother 's name with my kids names attached to the debt. I called and tried to explain and was hung up on after asking to speak to the supervisor. I called back twice and asked for a supervisor and was hung up on by XXXX XXXX twice. I finally spoke to XXXX XXXX who was also very difficult when I explained that they had the wrong debt connected to the wrong person. This is not how people should be treated when trying to clear up something that could effect their life.
Product: Credit card

XX/XX/year>, I paid a deposit on a trip for XXXX XXXX XXXX through XXXX  The charge of {$640.00} appeared on my card as SQ. 
XX/XX/year> I had to cancel the booking, and I received confirmation that my deposit would be refunded in full. 
When I received my statement for that time period, there was no refund, so I called the Credit Card company and filed a dispute on XX/XX/year>, I called XXXX who confirmed I was due a full refund. XXXX said they would reach out to the merchant, and I should see the refund in 2 weeks. I assumed I had done everything I needed to, and would receive the refund. 
My XXXX XXXX statement h reversed the credit and closed the dispute the same day. I called XXXX and was told the merchant responded and they had sent me a letter and I never responded to the letter so they reposted the charge. I never received the letter, and I was checking the app constantly for any communications. When I didn't see or get anything I thought the matter was being investigated. I called back a few days later and was told that the case was NOT re-opened, and I would have to fax in documents to prove my dispute and request they re-open the dispute. I went the day after and had to pay {$21.00} to fax 9 pages, the charge, the cancellation confirmation showing I was due a refund, and the card statements. I called XXXX the next day and was told they received the documents and would expedite my claim. I called XXXX back today and was told they closed the dispute because I didn't respond in time. I have been responding and reporting and providing documents every time I was told to do so. I have all my documents, and this should have been a simple resolution. I tried calling XXXX  but the agent answered, I gave her my confirmation number and the phone disconnected. 

Please help. I'm XXXX and have gone 2 years with no income. I desperately need this refunded back, the interest removed and a {$21.00} credit for the fax. 

I don't know who else can help me if you can't. 

Thanks for all you do! 
XXXX XXXX XXXX Confirmation number : XXXX PIN : XXXX XXXX Dispute number XXXX
Product: Credit reporting or other personal consumer reports

Information was previously removed from credit due to wrong Information. But was brought back from a company that I due not owe nor did I sign a contract with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX has pulled a credit report under national credit cards/airlines I have never applied for any services through this company nor would I like to apply for anything through this company
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXXXXXX Balance : {$480.00}
Product: Credit reporting or other personal consumer reports

I didn't consent or signed off on any debt to be handled by a third party. I also paid off debt that still shows on my credit which should of been deleted. Also to include that my social has been breached as well as millions others like me who are now under 15 usc 1681 because of this. Which Disclosure of consumer reports Consumer reporting agencies can not prohibit users from disclosing the contents of a consumer report to the consumer, in which they have.
Product: Checking or savings account

I filed XXXX separate disputes and lost both disputes within 5 days of filing, even with clear court documents that I should have won I ask them why did I loose the dispute an to send me the findings on why I lost. I asked them for several months in the findings and Ive been ignored. I submitted appeals and lost within minutes of filing. I dont know what to do I need my funds its court proof I should have won Details of disputes My apartment complex said I never paid XXXX and evicted me. I paid XXXX on my card ( one dispute Im disputing ) I moved out in XXXX then a charge came onto my card in XXXX. I called the apartments and finally after weeks of calling the lady said the last XXXX of my card was used for someone else and hung up. Then I disputed the second charge ( second dispute ). 
Its in the court documents that they said I didnt pay XXXX. And I was out by XXXX so it wouldnt be a charge for XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX, XXXX, and Equifax, are not complete and accurate. 


[ XXXX XXXX ] date last reported is not is not accurate, and date last active is not accurate. 
Last date reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX Date Last Active : XXXX XXXX XXXX XXXXXX/XX/XXXX, Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date last active is not accurate. 
Date Last Active : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Last Active is not accurate. 
XXXX [ XXXX  ] - date last active - XX/XX/XXXX Equifax [ XXXX ] - date last active - XX/XX/XXXX
Product: Checking or savings account

Attenpting to open a savings account with Ally Bank. After having my application accepted, the login setup does not work due to " system '' error. It boggles my mind that an online bank has such issues when traditional brick and mortar banks do just fine
Product: Credit reporting, credit repair services, or other personal consumer reports

Received credit alerts regarding BARCLAYS BANK DELAWARE Requested On : XX/XX/2018 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number not available Contacted Barclay and they have no record of my SSN. So wondering 1, how or why its on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in a Debt settlement Program Called XXXX XXXX XXXX located in XXXX California and they Transfer all the Obligation to Global Client Solution LLC located in Oklahoma the Global Client solution are the one who process the payments and charges fee. the Global Client solution has contracted the XXXX XXXX XXXX to settle the debt. but they failed to settle 8 Credit card they only settle 4 of it. out of 36 months contract which I paid {$350.00} monthly started to be withdrawn from my bank since XXXX XXXX, I completed the payment of 36 months which I fulfilled the obligation on XXXX XXXX because of their upfront fees and excessive fee my funds was shorted so they can't settle my 4 other debts I paid a total amount of {$12000.00} which came from my husband 's XXXX payment from His Military service now they want me to continue to pay so they can settle the 4 other debt which is out of the agreed contract they took almost {$6000.00} just a fee now I don't know what to do I don't have Job to pay them which they demand an extension they are the one who failed to settle the debt in timely manner my job is to fulfill a contract to pay them I can't give them any more money out of my pocket so they can settle the rest of my debt.
Product: Mortgage

For over 2 years I have been filing and re-filing for a RMA ( Request for Mortgage Assistance ) with Select Portfolio Servicing , Inc. having no result. I learned from XXXX XXXX XXXX that Select Portfolio Servicing , Inc was found guilty of wrongful business practices in 2012, and they still refuse to pay any restitutions. For each time a client submits a RMA they receive XXXX dollars from the Federal government as incentive to help citizens suffering from hardships. Today, they have people to submit and resubmit the same documents multiple times. I worked for 20 years at XXXX only for the company to be sold to XXXX. Two months after the final papers were signed lay offs began and I was given XXXX ( XXXX ) month severance pay. Gov. XXXX XXXX changed unemployment time allowance from 2 years to 3 months, which made XXXX unavailable for Federal assistance. He also cut the XXXX program which extended unemployment for people that enrolled in school for retraining after being laid off. It has been arduous trying to return to work. I am the only graduating student from XXXX having received XXXX and still have n't landed a job. Age discrimination? You tell me.
Product: Credit reporting or other personal consumer reports

I hope you find this complaint well. 

As a consumer, I never gave anyone or any reporting agency permission or written consent to report any details about my consumer report.

15 USC 1681 ( a ) ( 4 ) congressional findings and statement of purpose ( consumer right to privacy ) I HAVE A RIGHT TO PRIVACY!

15 USC 1666b. Timing of Payments- a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( l ) which states, the term CREDIT CARD means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. NOTICE, congress said ANY CARD.

The CREDIT CARD is my social security card. This is the credit card that is used to originate every consumer transaction.

REMOVE ALL LATE PAYMENTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I call experian experian on XX/XX/XXXX thru XX/XX/2019 to removed a fraud alert, they asked questions that doesn't apply to me, I told them the questions dose not apply to me they said I didn't pass, they just keep giving a hard time to get a fraud alert remove for an auto, I need it to be removed asap, I sent in a request to have it removed, they are still giving me a hard time for my personal information, I need to be removed permanently, they don't have the right information for asking questions that pertain to me.
Product: Credit card or prepaid card

I had spoken to Capital One multiple times before the beginning of 2022 informing them that I was struggling to make payments due to loss of employment and lack of financial income. At the time, my fiance was using the card ending in XXXX to pay for school and her own bills. She could not afford to make payments and due to my loss of income and employment, neither could I. 

Unfortunately, this account went late and eventually went to charge off status. I have sense paid this account and would like to ask that the lates be removed so that I can try and get my son and I a home.