23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They did not use abusive language, I 'm a result of the fraudulent ticket that was also aired on the news. Although I did see the report of fraudulent tickets, I just did n't want to deal with collections so I attempted to pay. In my process, they refused to let me speak to a manager and refused to take my payment. Also told me what I should do in regards to my issue such as getting the car out of my name. I did n't ask about my personal issue nor did I tell XXXX about it so I do n't understand why he would tell me that. He was unprofessional. 
I discovered I had XX/XX/XXXX tickets around XX/XX/XXXX. I then notified the driver who said he was parked at the law enforcement wall where there is no meter. He also advised XXXX XXXX from XXXX XXXX was taking care of it. I called XXXX XXXX and was told I would be reported to collections in XX/XX/XXXX. The XX/XX/XXXX I received collection letters. I then called XXXX XXXX and spoke to XXXX XXXX on XX/XX/XXXX, he ask me why I did n't get the car out of my name and I can hear him laugh. I also request his supervisor many times and he told me. The second call to XXXX on XX/XX/XXXX took minutes to let me speak to XXXX XXXX. Please listen to the calls. On XX/XX/XXXX I attempted to pay and XXXX refused to take my payment because he said I gave him my name wrong.??? On XX/XX/XXXX I spoke to supervisor XXXX XXXX who refused to take my payment because she said I gave her my incomplete name.?? 
I have emails that I tried attaching-my emails begged for a Manager to contact me and as of today no Manager has contacted me regarding this encounter with fraudulent tickets nor unprofessional staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft, i never opened these accounts XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is in regards to Simmons Bank highjacking my XXXX. I made this money trading XXXX XXXX XXXX it also came from an inheritance in regards to XXXX XXXX XXXX. I have complained to the Arkansas AG, The XXXX XXXX XXXXXXXX, XXXX and the XXXX XXXX XXXX in XXXX XXXX who forwarded it to some supervisory authority. I suppose it is okay to steal billions of dollars in this country if you are a bank and leave me with XXXX per month in SSI? I have revoked the XXXX, XXXX, XXXX XXXX  and sent notification via certified mail to all concerned. They will tell you they owe me nothing. Do a full text search at XXXX You will find the XXXX XXXX along others, that's my money. I need help from somebody in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with Ford and Ford credit for 6 years. I bought a new XXXX in XX/XX/XXXX and my first payment, due XX/XX/XXXX and paid XX/XX/XXXX was applied to a previous, closed account. Ford reported 30 day lates to the bureaus for 2 months because of this. A letter was provided to me by Ford that acknowledges the reporting error and internal correction.

We have been in Escrow on a new house for our family of 7 but this dropped my score 100 points and made us ineligible for the loan. XXXX, who is working with our lender to get my credit score fixed, asked for the tense in this letter to be amended from future to past so that they can submit to the bureaus with a rapid request. That requires one single word to be changed from will to have. Ford refuses to do that and now we have lost our home. I have been told that there is nothing left that anyone at Ford can do to help.

In 6 years, I have never missed or been late on a payment to Ford. This has dropped my score so significantly that APRs on my credit cards have increased, while credit limits have decreased. 

Ford told me on XX/XX/XXXX and multiple times since, that they have sent a letter of correction to the bureaus. Yesterday, XX/XX/XXXX, they admitted that wasn't true and just a nightly data feed is sent to the bureaus.
Product: Debt collection

Today XX/XX/2021 I got a letter in the mail from an attorney/mediator offering their services because I had a lawsuit filed against me that I was not aware of. As of today I have not been served any papers or notified by the debt collector XXXX XXXX XXXX or its attorney Mandarich Law Group. When I looked up my case number provided to me by this third party I found that they filed a case against me dated XX/XX/2021 with a court date of XX/XX/2021 ( 20 days from today ) and still have not been notified by the debt collector. I initially hadn't been making payment because I simply couldn't afford it. My job wasn't paying enough for me to pay my expenses and manage my debt. Then the pandemic started and I got laid off so I really didn't know how I could pay my bills. I finally got a job that allowed me to start paying off my debts and started making payments to this account through online bill pay with my bank on XX/XX/2021. My first payment was {$100.00} and then I continued to pay {$25.00} a week until XX/XX/2021 because I caught XXXX and couldn't work so I had to once again play catch up with my finances and I reduced the frequency of my payment to {$25.00} a month so I can also pay off other debts and my bills. In total, I have made {$350.00} in payment over the last 4 months and have another {$25.00} payment scheduled for XX/XX/2021. I called to see why a lawsuit was filed against XX/XX/2021 when I had already started making payment since XX/XX/2021. Also, I wanted to know why the company never notified me of the lawsuit being filed against me. I never received a letter nor have I been served. When I spoke to the agent she told me that she could see that I had made payments to the account and said that they filed the case because I didn't make a payment arrangement with them. She said that in order to make a payment plan she needed to ask about my financial situation and I told her I did not want to disclose that information and told her that I can and plan to continue to make payments of {$25.00} a month. She also mentioned that she saw the I was on file to be served. I still don't understand why they filed a lawsuit against me on XX/XX/2021 when I was already making payments as of XX/XX/2021 and I was never notified that they had filed the lawsuit until now which was by a third party in an effort to represent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Product: Debt collection

I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt ENHANCED RECOVERY CO # XXXX
Product: Credit card or prepaid card

I made a purchase of {$2800.00} on XXXX that was listed on XXXX as 24 months no interest if paid with Paypal credit. I would not have purchased this item at that price on less favorable terms. I have attached a printout of the screenshot from the checkout. Notice the payment terms are {$110.00} for 24 months, and total payments {$2800.00}. 

Paypal credit equal payment items were all at terms of no interest in the period of XXXX to XXXX. I have provided documentation of this. I was mistakenly charged interest of {$10.00} in XXXX, {$13.00} in XXXX, and {$13.00} in XXXX. I have provided statements documenting this. 

I've talked to Paypal credit CSR twice about having this keyed in their system correctly, and when I last spoke to them in XXXX they told me this item was keyed as 24 months no interest. This was never done. On XXXX I mailed a letter certified mail to the Paypal credit address where disputes are to be mailed. They did receive the letter. As of the statement dated XXXX I did not receive any attention to, or resolution of this issue.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : TransUnion Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXXXXXX XXXX XXXX XXXXXXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/year> ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms.

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company.

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal complaint that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission.

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

LUNDQUIST CONSULTING INC, IS A DATA FURNISHER FOR XXXX. MY XXXX CREDIT REPORT FILE NUMBER XXXX HAS A BANKRUPTCY # XXXX AS BEING VERIFIED AS ACCURATE ON XXXX # XXXX HAS A ADDRESS I NEVERED LIVED AT AND UNDER THE BANKRUPTCY CONTACT INFO ON MY CREDIT REPORT FILE NUMBER XXXX IT DONT MATCH THE US BANKRUPTCY COURT DOCUMENT. MY CREDIT REPORT WITH XXXX  SHOWS A CLEAR PICTURE THAT LUNDQUIST CONSULTING INC AND PACER HAS A MIX FILE I AM ALSO A VICTIM OF IDENTITY THEFT, MY RIGHTS UNDER FCRA 623 ( a ) ( 6 ) ( b ), FCRA ( a ) ( 2 ) AND FCRA 616, 617, 621 FOR NON COMPLIANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove unauthorized accounts and inquiries off my credit report Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times with you guys to get this resolved. Transunion is still reporting a Public Record of a Bankruptcy on my credit report. I've asked for 8 months now to either provide proof of where you got this information from or to delete it from my report. Even recently as of XX/XX/XXXX, I requested proof or deletion of two items. Transunion deleted one item and ignored the current account in question. I have a paper trail showing this neglect has been going on since last winter. I even did my own investigation, went down to the courthouse, obtained proof that my name is not associated with any bankruptcy reported to Transunion ( attachment included ). I went through this with another bureau and they suggested that this information may have come from a 3rd party ( XXXX XXXX ). I reached out to XXXX XXXX and they too said I am not in their records with a Bankruptcy. I provided them proof and they deleted this from my credit report. I am including both letters and asking once again for you to delete this Bankruptcy from my credit report. Please do not ignore this request. I have a paper trail of certified mail dating back until XX/XX/XXXX requesting verification and you have yet to send anything. This is an FCDPA violation with multiple offenses.
Product: Money transfer, virtual currency, or money service

Direct transfer of funds from XXXX XXXX to a bank in XXXX. Recipient unable to collect the money so Western Union cancelled the transaction on XX/XX/2021. Western Union assured me the funds would be returned to my account in 7-10 days. It has not been returned. I have made numerous calls and filed a complaint with WU. All to no avail. I have been lied to every day since the money was due. 

The initial tracking number is XXXX. The case number is XXXX. 

Today I got an email telling me the " transfer is complete and the money is ready to be picked up in XXXX!!! '' I am baffled by this behavior by Western Union. 
They have used every excuse to not return my {$8000.00}. They have my drivers license information, address, phone number, bank account numbers and I believe they have my shoe size now. 

I have double checked with my bank and there is no issue on this end. This a plain and simple case of fraud by Western Union. The money was to help a relative with a serious medical issue, which has only gotten worse. 

PLEASE HELP ME RECOVER MY MONEY!
Product: Debt collection

I am a volunteer at a XXXX XXXX XXXX XXXX XXXX, and the address is a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, someone delivered paperwork visible to public, no envelope and the employees saw all my personal information including social security, address and financial issues.
Product: Prepaid card

Unable to open an account. 

I purchased an American Express Blue Bird pre-pay debit card at XXXX, paid {$5.00} for the card, and loaded {$5.00} onto the card, with the intent of having the company send me a Permanent Card. The paperwork with the card says to register at XXXX I followed the directions and went to that site, entered all of my personal information, including my social security number. Each time I did this process, the page would respond slightly different, and sometimes would prompt me with verification questions relating to my vehicles, which looks like a normal verification process. 

I updated my web browser, thinking that maybe it needed a newer version of firefox. That did not improve anything. I tried several different combinations of the information. Sometimes it would prompt me to confirm a slight variation of my address, using N instead of north. 

No matter what I did, I always ended up at the Unable to Sign Up message. " Sorry, we are unable to approve you for an Account at this time.Thank you for your interest in Bluebird. '' There was no reason given. Further, there was no customer service number given to call to resolve the issue. I tried to call the number on the back of the card, and it stated that I MUST use the online process to activate and that customer service can not do this process. 

During this process, while it may be encrypted, I sent my social security number, name, and birth date, at least 20 times across the internet. Most companies will prompt the user with an error message, such as " please verify your " XXXX '' is the correct information, if something is a typographical error. At one point I had wondered if I typed the birth date year with XXXX digits or XXXX. One of the questions it asked me about a vehicle was something I was uncertain of. I had a XXXX Buick, but I was not sure if it was a " custom '' or not ... I presume they use a list of VIN numbers for that system, but manufacturers do n't always have the right VIN numbers attached to extensions of the car name. That could have caused confusion. I wonder where they get this from anyway, since I have opted out of the DMV in Wisconsin. 

Regardless, I have tried fruitlessly to have them send me a permanent card with my name on it that i can reload, and as far as I can find, there is no way to call them. 

So, I have spent {$5.00} for a worthless card, and have {$5.00} on a card ... .it cost me {$5.00} to put {$5.00} on a card, that I was supposed to be able to use as a reload product that I could use with XXXX , XXXX XXXX etc to buy stuff online. 

I have a XXXX card that works fine, though they have a software glitch that presumes that you bought a temporary card at the store, and then they were to send you a card. When you have them send you a temporary card in the mail, the system thinks you have been sent a permanent card, and it will not send you a permanent card, which is corrected by calling them and explaining the problem. 

But with Bluebird by American Express, I can not get a card that I can use as a re loadable debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( XXXX ), XX/XX/2021 ( XXXX ) and XX/XX/2021 ( XXXX ) against FED LOAN SERVICING. As of XX/XX/2021, my FED LOAN SERVICING student loan was paid in full and therefore closed. On XX/XX/2021, both XXXX and XXXX closed my Disputes with no change to my account balance and status, because FED LOAN SERVICING advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why FED LOAN SERVICING would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.
Product: Money transfer, virtual currency, or money service

I tried to schedule global wire transfer to my own account in another bank from Chase starting XX/XX/2020, however Chase keep canceling my global wire transfer and blocking my accounts although I called them many times that it is myself who initiated those transactions and they also promised me that they already document that recipient account as a valid account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$630.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$630.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX/XXXX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$820.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$540.00} written off. 
Account TypeCharge Card Balance {$0.00} Date Opened06/06/2018 Dispute StatusOpen/Never late. 
Account TypeCredit card Balance {$520.00} Date OpenedXX/XX/XXXXDispute Installment Loansshow tooltip button XXXX/XXXX  XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$890.00} past due as of XX/XX/2020. 
Account Type
Product: Credit card or prepaid card

On XX/XX/XXXX, I requested a balance transfer using my XXXX XXXX XXXX Rewards credit card. The payment of {$510.00} went from XXXX to XXXX XXXX XXXX. After I entered my XXXX account number, I was given the option to select the ONLY name that came up after I entered my account number and that was XXXX XXXX XXXX. I selected the name and pressed confirm. I received a message saying the request was submitted successfully. On that day, I performed several balance transfers. I was informed that the balance transfer would take up to 10 days. Every account received their payment within 3-5 days except XXXX. I began to call XXXX credit card, which is under XXXX XXXX, to find out the status of the payment I submitted on XX/XX/XXXX. XXXX XXXX said they never received any payment. I contacted XXXX to inform them that XXXX/XXXX XXXX has not received the balance transfer payment. On XX/XX/XXXX I had a conference call with a rep from XXXX by the name of XXXX  and a supervisor from XXXX/XXXX  XXXX by the name of XXXX ( employee number XXXX ). XXXX explained to XXXX that they needed something stating that my balance transfer to XXXX was rejected so XXXX could resend funds. XXXX said there was no payment showing in any of their systems to give XXXX a notice of payment rejection. XXXX from XXXX XXXX explained that when things like that occur XXXX  XXXX has the ability to have that payment sent back to the cardholder ' credit card. After the conference call I was under the impression that XXXX would cancel the payment and it would be returned to my credit card. No such thing occurred. I've spoken to multiple people, XXXX, XXXX Asst manager, XXXX XXXX, at XXXX with regards to my missing balance transfer payment. On XX/XX/XXXX, I spoke to a supervisor by the name of XXXX. He told me that somehow my payment went to Chase instead of XXXX/XXXX XXXX. Chase is XXXX and XXXX XXXX parent company. XXXX has sent several messages to Chase asking them to resend my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between a corporation and an individual the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. Please delete pursuant to the law mentioned in the above sentence all late payments, and/or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.