23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have continuously disputed this debt for the past 2 years with XXXX, XXXX, XXXX. I have also contacted the companies at various times to inform them that this is not my debt. I did during that time have a young lady renting a room from me but I did not had XXXX XXXX and now I have had XXXX XXXX XXXX for several years. I also sent Diversifed Consultants a letter of Debt Validation requesting the original documents with my signature. I received the attached final notice, which does not show proof of contract. 

XXXX XXXX, dba, XXXX XXXX XXXX, dba, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Credit Bureaus. Did not correct the inaccurate information on my account and request to remove closed 2 accounts. I have called to dispute the late payments on 4 of my credit cards accounts, which is not right in my report. No problem have been solved.
Product: Credit card or prepaid card

Several months ago, I opened a dispute with Barclays for goods not received. I was issued a provisional credit. Without any explanation, I was rebilled for both items six weeks later. I called their disputes team, and they told me the reason for the rebilling was because the dispute was misentered into their system ( they entered that I returned the goods outside the merchant 's return period ), and that an explanation for the rebilling was in the mail. It wasn't. I disputed in writing again for goods not received, this time with proof. Almost a month later, their Disputes Team sent me a letter saying there would be no credit because we were now outside the timeframe that allowed for a dispute. 

This is 100 % Barclay 's fault, but the entire disputes team is so disorganized that I can't seem to get anywhere. Below is a detailed timeline of my communications with Barclays. 

- On Tuesday, XX/XX/2019, I sent Barclay Disputes two separate disputes via fax. The letters stated clearly " This charge was in exchange for goods that were never received. " I received two letters, both dated Friday, XX/XX/2019 confirming that the disputes had been resolved and a provisional credit applied to my account. 

-On Friday, XX/XX/2019, I noticed that both charges had been rebilled. I awaited an explanation in the mail, but one never arrived.Shortly after, I called Barclay 's Disputes to inquire about the rebilling. The customer service representative told me the reason for the rebilling was because the dispute was misentered into their system ( they entered that I returned the goods outside the merchant 's return period ), and that an explanation for the rebilling was in the mail. He left a note on my case explaining that the goods were never received. He promised that the written documentation would arrive in the mail shortly. It never came. He also explained I would have to reopen the dispute in writing, despite the fact that the rebilling was due to Barclay 's mistake. 

- On Tuesday, XX/XX/2019, I mailed a two letters to Barclay 's reopening the dispute and explaining that the rebilling was due to the reason for the dispute being misentered into the system.I did not receive a response until XX/XX/XXXX, at which point Barclays told me that they were now outside the timeframe allowed by Visa and would not seek reimbursement, despite the fact that the missed deadline was due to Barclay 's not properly filing my dispute to begin with.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I drove my wife XXXX XXXX to XXXX XXXX for a hearing in regards to her grandmother 's estate issues. Around XXXXXXXX XXXX my wife called me frantically, stating that she's being arrested by the courtroom security who are attending her grandmother 's hearing. After speaking with my wife, I entered the XXXX XXXX of XXXX XXXX  and began to ask questions regarding my wife 's whereabouts. 

I was directed in multiple directions. But the first place I stopped was the clerk 's office for XXXX XXXX. A clerk for the court informed me that they had no information regarding any orders to arrest my wife XXXX XXXX XXXX and or records of such details. 

After going from the XXXX floor to the XXXX floor and building to building looking for assistance on the whereabouts of my wife. XXXX XXXX XXXX  female XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX was very much familiar with my wife 's name as she informed me that my wife XXXX was a wanted woman and stated they finally got her ''. 

I asked the sheriff for the whereabouts of my wife. She eventually informed me that my wife was in XXXX  at XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 I was informed by the XXXX  Court Clerk 's office at the register of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX informed a clerk to assist me with the following directions. 

I was told to bring a cashier 's check in the amount of {$5300.00} written out to XXXX XXXX and that the judge would call the jail/ order for my wife 's release upon having a hearing. Once seeing that I actually had the check in the amount of {$5300.00}. On XX/XX/2023 I, XXXX XXXX, wrote a check in the amount as directed by the register of wills office for {$5300.00} from my Navy Federal Active Duty Account ( now clsed ) to XXXX XXXX in return for the public elected official XXXX  Court Judge XXXX XXXX to order the release of my wife XXXX XXXX XXXX. 

Now my Bank account is closed, NFCU took XXXX dollars of my veteran XXXX payment and stating I owe more funds, failing to understand that I was robbed illegally and forced to pay for my wife 's freedom.
Product: Student loan

In regards to : UNFINISHED BUSINESS ( Navient ) US DEPARTMENT OF EDUCATION, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for US DEPARTMENT OF EDUCATION to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!
Product: Credit card

My son used my credit card for some cash advances. I called Captial One to find out the balance and how I needed to send in payments to pay this in full. On XXXX I got the balance of {$1800.00}. I sent a payment of {$3300.00} on XX/XX/XXXX. I also sent an auto-pay of {$250.00} on XX/XX/XXXX I called twice to confirm the balance was {$0.00}. I was told yes. On XX/XX/XXXX, I was charged a cash advance interest of {$45.00}. I called again to find out how I had interest if the balance was {$0.00}. They said it was " a timing thing '' based on when the payment was posted. Again, I sent {$200.00} to cover this interest and any cash advance balance. Again, I called to verify it was {$0.00} and was told yes. On XX/XX/XXXX, I was charged {$.00} for cash advance interest. Again, I called to ask how I could send {$4700.00} and still have a balance on the original {$1800.00} that was paid in full on XX/XX/XXXX. They said I still owed {$6.00}. 

The terms of their payments says they pay the minimum balance first ( which was {$78.00} ) and then any cash advances. They received {$1000.00} and did NOT apply the overage to the cash advances. 

This company is fraudulently applying payments to cause more interest to the consumer and not following the terms of how they apply payments. This is fraud!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Trans Union will not remove these accounts from my credit report. I disputed it several times, but they keep telling me its verified. I have no knowledge of these accounts and also they are over 7 years old and by the FCRA any account over 7 years old must come off the credit report except for bankrupcy which is 10 years.

US DEPT. OF EDUCATION Acct. # : XXXX Report XXXX : {$9400.00} Date Opened : XX/XX/2012 US DEPT. OF EDUCATION Acct. # : XXXX Reported Balance : {$4300.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX  Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, " XXXX XXXX XXXX XXXX XX/XX/XXXX '' appeared on my XXXX and Equifax consumer credit reports. I have never signed any contracts or agreements with this company. They allege I owe a debt of {$1300.00}, which I attempted to validate and verify. I received no correspondence back from said company. In XX/XX/XXXX, I attempted twice to correct my reports and remove this account from my consume file. Both times Equifax and XXXX claimed the debt was valid and kept the account on my reports, and failed to ever provide any material evidence of the investigation they supposedly performed. It is my assertion that absolutely no formal investigation was actually performed. Both agencies continue to stall my dispute processes by alleging that I did not send the proper documents necessary, which is an outright lie. I carefully assembled and sent via Certified US Mail my FTC ID Theft report, Dispute Letter, Identification, Social Security Card, and Proof of Address. Both Times Equifax and XXXX falsely claimed they never received this information. Equifax also failed to enter a legally required Notice of Dispute, Mandatory under 15 USC 1681i ( 2 ) ( a ). I demand this willful non-compliance stop and the account be deleted from my reports Immediately.
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 confidentially under 15 USC 1681. 

Account : # XXXX Account : # XXXX Account : # XXXX Account : # XXXX Account : # XXXX has violated my rights. 

15 U>S>C 1681 section 602 A. States i have rights 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 without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of the information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

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, credit repair services, or other personal consumer reports

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed on the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this pointI.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 there was a hard inquiry on my Transunion credit report from XXXX XXXX. I did not apply for credit from XXXX XXXX. I called Transunion on XX/XX/2021 and they referred me to you to get a copy of a Fraud Report
Product: Vehicle loan or lease

I fell behind on my car payments and gave the car back as a repossession. I have given them the car back. Today XXXX/XXXX/2017 I  received a call from my apartment complex today stating that they have been harassing my leasing office for information on me. Why? You have the car and the leasing agents are really getting irritated. Then when I had the car the Human Resources director at my job was called by XXXX XXXX being very nasty and rude to her. She had nothing to do with my financial situation. The harassment has to STOP. This is over. You have the car. I will file charges for harassment.
Product: Mortgage

The mortgage company is keeping my principal payments in a suspense account and not applying them to my mortgage. This has been happening since XXXX. I continue to contact them on the phone and through email, they tell me they will take care of it but nothing has happened.
Product: Debt collection

XX/XX/2019 to XX/XX/2019 I had mailed multiple attempts with certified written letters, and police reports. Regarding my identity fraud on the debt collections that is placed on my credit report. Wells Fargo have not responded to none of my validation letters or police report and federal trade commission report that was certified mailed to them. The notarized signatures that goes with Id theft claim to. Only to my first letter that was sent out to them. However, they did receive my request, but nothing was done after that. within 30 or 60 days as well. My credit score dropped from XXXX to XXXX from this wells Fargo account and XXXX XXXX, XXXX XXXX that was reported on XX/XX/2019. On the other hand, they did removed the XXXX XXXX and XXXX XXXX on XX/XX/2019 but did not replace my points back where it should be, XXXX or maybe above. I have a good credit report file and my credit score shouldn't drop tremendously like that. I am fighting so hard to keep my credit score and report on the positive side. I feel the consumers should have way better protection. My fraud Identity theft, is not taking into a removal or into consideration. Additional to that, XXXX has not respectfully taken my identity victim to fraud seriously I made multiple attempts and provided an police report, federal trade commission report, and proof of my identity documents to XXXX  and XXXX and they thoroughly investigated my concerns and immediately removed the items that stated above. However, XXXX  is not removing the items that do not belong to me and not taking my identity reports into considerations. However, I am a Victim of Identity Theft. Every other creditor like XXXX and XXXX have removed the items off my credit report. Accept XXXX and the other credit bureaus on XX/XX/2019. I have communicated with XXXX and wells Fargo multiple time in the past that I am a victim of Identity Theft and XXXX  and wells Fargo has not takem my case into consideration.
Product: Mortgage

XXXX servicing I sent a complaint about this mortgage company about removing my credit report from the credit reporting companies. This is the second time i tried to get a response from them but I think they are no longer in business so i think that is why i did not get a response to have them remove my credit report from the XXXX reporting credit companies. 
I had my mortgage sold to a different company with a XXXX balance owed there for i should fell my credit report from them should be removed please help me to figure out how to have this done thank you ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint this new complaint regarding new issue. I'm sending this dispute for a hard inquiry that I have never authorized. After carefully researching my report I realized that this inquiry was made by someone else. I never authorized it. I truly believe it's a result of fraud. I have been a victim of Identity theft. I have also filed FTC report for this inquiry and the report number XXXX and name of that fraud inquiry is XXXX XXXX XXXX XXXX  XX/XX/2022. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
The reason that this inquiry is being disputed is because it was not made by me, and when I report this to you, it is your responsibility to investigate my claims, it must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing an open federal tax lien filed in XXXX 2010 citing the XXXX* rules ( the lien has no SSN number and no DOB ). * XXXX : Beginning XX/XX/XXXX, the bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the XXXX XXXX XXXX XXXX, new and existing tax lien and civil judgment data must include a person 's name, address and either a Social Security number or date of birth in order to be included in credit reports. Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this account. Showed proof that it was a pay to delete. Showed proof of cashed check from this company. The credit bureaus have been reporting this incorrectly and have violated my rights per the FCRA TO REPORT ACCURATE INFORMATION OR DELETE ... they continue to update as opposed to delete AND THEY UPDATE IT WITH MORE INACCURACIES. I CONSTANTLY SEND IN PROOF ALONG WITH MY IDENTIFICATION AND MY PROBLEM IS NOT RESOLVED AND THEY CONTINUE TO SPEND MORE TIME DUE TO COVID WITH A IMPROPER INVESTIGATION.. I WANT THIS DELETED PER THE FCRA OF INACCURATE INFORMATION.. i even provided the cashed check for a pay to delete which was STILL NOT UPHELD the account XXXX/XXXX  XXXX   agreed to pay and delete its on the cancelled check .. credit bureaus continue to update add inaccurate comments as opposed to protecting my rights that are clearly stated in THE FAIR CREDIT REPORTING ACT
Product: Credit card or prepaid card

I am very angry. I applied for and received a Citibank Best Buy card because I knew that I was going to be making a large purchase and was drawn in by the 10 % offer on my first purchase with that card. I made the $ XXXX purchase on XX/XX/2021, XXXX # XXXX, but was only given 5 % off. I thought that was just a website glitch, so I went ahead and placed the order, but when I called in, I was told that the XXXX products I bought were not included in that offer. 

I went back and looked at the Terms and Conditions with the card and there was NOTHING said about exclusions! Nor is there anything to click elsewhere on the website in order to see any restrictions on the 10 % off. How dare they make that offer then just decide not to honor it on certain items without telling the customer! 

I have wanted to support brick and mortar stores, but not if they are going to cheat me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. I had health insurance at the time of service and they are charging me for services. They need to dismiss these charges that Im not responsible for. Because I was never warn about copay for services. They should of disclosed the copay before Services. 
Because Im XXXX.
Product: Credit reporting or other personal consumer reports

I purchased a car from MEI , Inc./XXXX in XXXX. The company lied to sell me a bad car, I've had numerous issues with the car. My final issue was on XX/XX/XXXX. I then had the car towed to the company, told them they can have the car back and I agreed to pay the remainder of the car contract. They agreed to it. I continued to make the car payments every 2 weeks, while they kept calling me to harass me about getting a new car. On XX/XX/XXXX. XXXX, when they called, I gave them an attitude and told them to stop harassing me and I would never buy a car from them again. On XX/XX/XXXX, I went to log into my account to make my payment and my account was locked. I called them up and they told me I couldn't make a payment and they closed the account and I didn't have to worry about anything. I went to look for a new apartment in XX/XX/XXXX and was told I had a repo on my credit report with missed payments. The company started reporting late payments after they locked me out of my account and wouldn't let me make payments. When I called them, I told a lady what happened and that it was illegal to falsely report thing to credit agencies. The lady told me that if I had an issue I could do what I needed to do, but they have lawyers. I've asked for a copy of the contract and the ledger of all payments and they won't give it to me. I never had one missed or late payment for the duration of the account being opened. I've tried talking to someone high up, but no one will respond. They broke the contract by not letting me make payments. They reported missed payments in the months after the account was closed. They reported a missed payment for the months following a closed account. They closed the account in early XX/XX/XXXX and the months following were reported as missed payments. XX/XX/XXXX- XX/XX/XXXX. I filed a complaint with The Texas office of consumer credit commissioner and they lied to them. MEI said I was in their office on XX/XX/XXXX. I haven't been in their business since I got the car in XX/XX/XXXX. I asked for a security camera picture of me and they hung up the phone. They also told them I abandoned the vehicle the week of XX/XX/XXXX. I had the vehicle towed to them on XX/XX/XXXX. They said I contacted them on XX/XX/XXXX and agreed to make payments. I contacted them XX/XX/XXXX. XXXX and agreed. I made a payment every 2 weeks like I had always done, by the contract. Until they closed it without notifying me. They said they sent me a letter to settle it, and I never received it. I asked them for proof, like a tracking number or if they requested a signature and they said nothing. I asked for a copy of that letter and was told, we only send it out once. I was good to them, never missed a payment. This company has been caught lying and reporting false information multiple times. I will attach a copy of the OCCC letter to me, so you know what they said. There will be 2 photos, for the front and back of letter.
Product: Debt collection

XXXX, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2016 XXXX. XXXX