23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Background : For the past several years, I had a membership with the XXXX XXXXXXXX XXXX XXXX. 

In XXXX of 2023, I went to the gym for a workout, only to discover that it had closed the previous week and had removed all of its equipment. They failed to notify its members that the gym was closing. 

On XX/XX/2023, I received a letter from XXXX XXXX in XXXX, Arkansas claiming that I owed membership dues to XXXX XXXX XXXX  for the month of XXXX, 2023. 

I wrote XXXX XXXX in XXXX, Arkansas and said that I disputed the dues charge of {$31.00} ( my monthly membership fee was {$21.00} ). They added a {$19.00} late fee to this amount. 

Due to the fact that the gym had closed mid-month in XXXX without notifying its members, I sent XXXX XXXX in XXXX, Arkansas a pro-rated cashiers check for {$16.00}. They cashed the check on XX/XX/2023 and failed to send me any follow-up correspondence. 

XXXX XXXX in XXXX, Arkansas continued to send invoices on XX/XX/XXXX and XX/XX/2023, but adding on XXXX additional months of membership dues increasing the fee to {$65.00}. 

On XX/XX/2023, I received a letter from First Credit Services , Inc., ( a debt collector ), stating that I owe XXXX XXXX XXXX XXXXXXXX , Arizona {$67.00}. XXXX XXXX XXXX XXXX claimed that my membership had been transferred to their gym. I have no contract with XXXX XXXX XXXX XXXX , and reject their claim of owning my membership. 

First Credit Services , Inc. then posted a hard inquiry on XXXX claiming I owed {$67.00}. This caused my credit rating to decrease by XXXX points. 

My Documentation : I can prove documentation for this case.
Product: Credit card

This complaint is a follow-up to my complaint # XXXX. 
If you review my previous complaint, you will see that I purchased a XXXX XXXX on XXXX and returned it on XXXX. Along with the purchase of the XXXX XXXX, I purchased a XXXX XXXX XXXX. I returned the lawn mower and my down payment, ( which included the XXXX XXXX ) was refunded. The problem is that XXXX XXXX refuses to close the account with Synchrony Bank. On XX/XX/XXXX I phone XXXX and spoke with a customer service representative by the name of XXXX. He confirmed that as of XX/XX/XXXX I did not owe XXXX any money. My account had a zero ( XXXX ) balance. I was also advised that the service agreement was cancelled as well. Synchrony Bank is still billing me for the service contract. I was transferred to a woman named XXXX who advised that she would have to send the refund check to me. I told her not to send the check to me, just to send it directly to Synchrony Bank. XXXX insisted that the check had to be sent to me and I would have to mail it to Synchrony Bank. She said I would receive the check within XXXX ( XXXX ) business days. As of the writing of this second complaint I have not received the check, and I am now being charge late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company on my credit report that I have never done business with I have never used any services from them and I would like them to provide me with the original contract with my signature on it if they can not provide that I want this account removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in the documents regarding the bankrupty matter in the cases refrenced due to several attempts it was never removed after being informed it was inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX this was FRAUD I HAVE SENT ALL DOCUMENTS TO XXXX COMPANIES
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX ACC # XXXX, XXXX XXXX XXXX Acc # XXXX, XXXX XXXX XXXXAcc # XXXX, XXXX  XXXX Acc XXXX XXXX, XXXX Acc # XXXX, XXXX XXXX Acc # XXXX, XXXX XXXX Acc XXXX XXXX, have violated my rights. 

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 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 information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute to both Experian ( Report # XXXX ), XXXX and XXXX XXXX Report # XXXX ) via certified mail regarding inaccurate information of XXXX XXXX These accounts were inaccurately reporting the date opened, date last active and balances. I provided supporting documentation for my dispute that information was not reported accurately. Following the investigation, XXXX deleted these accounts from my credit report, recognizing the inaccuracies. However, Experian and XXXX have not followed suit and have erroneously marked the information as verified '' and have not provided me with any method of verification. 

Experian has replied via the Experian dispute center resulting that the information is verified and accurate on XX/XX/XXXX. In addition to this reply being after 30 days which is mandated by law, according to the updated report ( # XXXX ), information is still reporting inaccurately. There is no date given for any of these accounts for the month of XX/XX/XXXX, and no data given for the months XXXX XXXX XX/XX/XXXX in ( Report # XXXX ) XXXX has not replied to my dispute and I have had no contact with them at all regarding this matter. According to the previous report ( # XXXX ) in XXXX and the updated report in XXXX ( # XXXX ), information is still not 100 % accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX- {$400.00} I recieved a paid in full receipt but the account was never reported on credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> - {$450.00} This account was paid in full but doesnt reflect positively, the account was charged off. 
XXXX XXXX XX/XX/year> - {$890.00} This account is a collections which was paid in full but never reported postive on my credit. 

XXXX XXXX ( {$1200.00} ) XXXX XXXX XXXX XXXX ( {$2000.00} ) - These account are XXXXne loan, both bills now reflect on my credit but it should just be one the collections or the loan which take a major impact on my credit! Im also paying payment that arent reflecting on my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment History on my account is Still incorrect I sent Proof of all Dates and still they haven't fixed anything, my score just goes up and down when they correct it then they put it right back, why are they getting away with this and nothings being done my next step is to get a Lawyer if this is not corrected. Indigo has been doing this to me for XXXX XXXX years now and my credit score is just getting hit, this should be against the Law, I'm sick of it. All of my other credit cards you can see the consistent payment History I want this fixed A.S.A.P this has been going on for to long. 

I can be reached at XXXX My Address is XXXX XXXX XXXX XXXX XXXX, PA XXXX not XXXX XXXX XXXX XXXX please correct in Data base Thanks
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was paying on time for two years and then I lost my job and so did my husband. I fell behind in XXXX and XXXX of XXXX and they gave me an extension for two month but the next due date, they placed on the extension notice was XXXX XXXX but the extension was dated for XXXX XXXX and my new payoff date was XX/XX/XXXX XXXX they are always stating Im 77 to 88 days past due on my payments. then when I question it they tell me 33 days or 44 days late. as my payments from the day I bought the car was being applied to both principal and interest. Then everything started only going to interest only, maybe XXXX to XXXX dollars to principal. How is anyone able to truly pay off the vehicle from them. when I bought the vehicle from XXXX, I applied for financing through XXXX and all my Documentation is from XXXX only. Therefore, next I was notified that XXXX had my car payments and If i knew it was XXXX handling my loan I wouldve told them to come and get the car asap. I have copies of conversations between me and XXXX and how they talked to their customers is bad. When you prove your point to them they tell you thats not what they have, then you ask well my information is from the portal of my account and youre telling me its wrong. Just like today I received a phone call telling me im 88 days late again when i just talked to them on Friday of last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, Equifax XXXX and XXXX has violated my rights. 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 this XXXX XXXX credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this fraudulent activity on my credit report
Product: Credit reporting or other personal consumer reports

I do not recognize these address please removed them from my credit report thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX I do not have alias name please removed all alias or any other name on my credit report XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Subject : Debt Validation Request Dear Radius Global Solutions I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt. 
Please provide me with the following information regarding this debt : XXXX. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect. 
XXXX. The name and address of the original creditor to whom the debt was originally owed and the current creditor. 
XXXX. Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to XXXX. 
tor. 
the secured trust and then back to the original creditor Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 
Please note that this request does not acknowledge that I owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX CAPITALONE XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CAPITALONE XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. Ive recently disputed a account through XXXX that is unfamiliar and does not belong to me. 
The company iS XXXX XXXX XXXX in the balance of {$570.00}. Ive asked for them to verify this account and my results came back asverified as accurate They also didnt sent me the documents in their files to verify this account which from my understanding means it legally has to be deleted under the fair credit reporting act, 15 U.S.C 1681i. I ask that you please look into this account and help me by any means. Thank you.
Product: Money transfer, virtual currency, or money service

In mid 2022 I fell victim to a multilayered scam orchestrated by XXXX. This involved transfer of XXXX dollars from my bank to a recipient in EAST WEST bank who has cheated me of my hard earned money. 
I have down loaded details of the transaction and request for resolution to the bank and with no response from them.
Product: Credit reporting or other personal consumer reports

I have a good credit score and a good history and every time i try to apply for a card they deny me and they even say they dont know why is that cuz i have everything in good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I am from XXXX county Indiana of XXXX XXXX Hospital of XXXX XXXX Indiana of XX/XX/1972 Others copied my documents attached to my social security number and data 50 states wide and in XXXX and XXXX As counter ids scams using business permits scams and never asked me per the IRS I have been used a sinage by many land development using my documents as landdelopments and consideration business Federal and state not authorized Others fraud the doctor listed on my birth certificate long form of XXXX XXXX XXXX and XXXX  XXXX Then others frauded my immazation record of XXXX XXXX of XXXX county Indiana I have been deniged credit card and department stores change card and loans and payday loans and scotter and RV loans and mobile homes loans for 18 years Others used my credit files as retailers store 's and banking and financial and business and banking permits and 50 states grocery store products with receipts, and marina and apartment building permits and politican listings and lawyers and judges and law offices and police and clothing and chruch groups and auto stores and consideration permits and insurance workers and IRS retailers workers and semi truck and semi truck business permits Schools and school products and services and building permits business and advertising
Product: Debt collection

This debt is originally from  XXXX   XXXX  and it was opened i n  XX/XX/XXXX  it w  as then closed and transferred to Midland Credit Management in  XX/XX/XXXX . The  amount being reported across my credit report is fro m Midland Funding and Midland Credit Management is   $  XXXX  {$880.00}. I have tried several times to reach out  to Midland Credit Management in regards to this debt in requesting for proper VALIDATION of this debt, as I know that I DID NOT open a credit card account wit h  XXXX   XXXX . I have only received copies of statements for this debt but nothing has been sent to me with my signature authorizing this account . Midland has since been reporting under both names Midland Funding and Midland Credit Management across my c redit reports.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Experian due to their failure to properly investigate a disputed bankruptcy on my credit report, lack of a timely response, and failure to provide the required method of verification. 

On XX/XX/year>, I filed a dispute with Experian to challenge the accuracy of a bankruptcy entry on my credit report. I provided supporting documentation from XXXX, which indicated that XXXX is merely a reseller of Experians data and does not independently verify public records. This evidence shows that Experian is the primary source of the bankruptcy information on my report, not XXXX or the court. 

Despite this, on XX/XX/year>, Experian closed my dispute and certified the bankruptcy as accurate without addressing the XXXX documentation. They also failed to respond to my dispute in the CFPB portal in a timely manner, even though they notified me they were still working on my dispute on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am entitled to request a complete method of verification for the disputed information. Experian is required to provide specific details on how the bankruptcy was verified, including the name and contact information of the verifier, the specific method of verification, and an explanation of why they disregarded the XXXX evidence I provided. 

Additionally, FCRA 611 ( a ) ( 1 ) ( A ) states that Experian must respond within 15 days to my request for the method of verification. Experian has failed to meet this statutory requirement and has disregarded the evidence I submitted, violating FCRA guidelines for a reasonable investigation.
Product: Credit reporting or other personal consumer reports

In XXXX, Barclays reset my credit limit on my XXXX XXXX  account at what I owed. This caused the utilization rate to increase substantially, causing my credit rating to decline. 

Yesterday, they notified me they were now doing this to my XXXX Visa through Barclay 's, again, causing my credit to go down. 's WITH XXXX, I have always paid on time and a little extra each time. With XXXX 's I had one late payment, but not even thirty days and they rescinded the late fee. I have a plan to pay off or down all debts, have liquid assets to do so, and was going to do it after taxes. At this point, I will pay down or off other creditors first and put XXXX and XXXX to one of those debt relief schemes. 

I fail to see how Barclay 's harming my credit helps Barclay 's. They did not contact me before the fact or offer any other alternative. I was not adding at all to the XXXX Card, they could have freezed it or offered something like that to me and I would have taken it. Instead, they set out on a campaign to ruin my credit and it really XXXX XXXX XXXX
Product: Credit card or prepaid card

There have been multiple attempts to open XXXX Credit Cards and XXXX Bank Credit Cards in my name. 
Someone successfully opened a Comenity XXXX XXXX XXXX card in my name. 
Someone has done a change of address for me, and I did not receive my mail for several days. 
These 3 issues have been resolved. 
This morning I was alerted to 2 new Comenity Bank Cards opened in my name. Working to close these accounts. 
I have put Fraud Alerts and Credit Freezes on my reports as of Monday. 
These cards all show dates before the freezes and alerts were placed. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to update my credit report after sending in documents of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under Stellar Recovery ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and discovered that XXXX pulled my credit without my knowledge or consent. 

My credit report shows that XXXX - XXXX XXXX created an inquiry into my credit on XXXX. 

I have requested an investigation and correction with XXXX, Equifax, and XXXX.