23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter.

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX.I expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX OF XXXX XXXX
Product: Credit reporting

It 's nice that consumers can view their credit report once a year for free. But it is not so nice that consumers are required by the credit reporting companies to join their credit monitoring service. Your credit score should not be held hostage.
Product: Debt collection

Santander consumer USA repossessed my vehicle in XXXX, once they had possession of the vehicle they removed the collection from my account in XXXX then placed the debt back on my account after, selling the account to another collection company by the name of XXXX XXXX. I have reached out to XXXX XXXX in which they have been very rude and aggressive with their words. I have also reached out to Santander Consumer in regards to their law suit ( which I have qualified ) they then gave me the run around and had me contact the direct line for the pay out the pay out line has then stated that I would need to contact Santander again to have them delete my collection and remove the debt. Santander has yet to remove the collection and have been giving me a run around stating they do not see me in their system. However, they have illegally sold the collection account to a collection agency in the middle of the law suit. I would like the collection completely removed from my credit and would like my credit repaired for having that collection on my account for so long. Santander had my interest rate at 28 % which has caused me to default. Santander has sent out letters in regards to the law suit but has not proceeded with what they have stated. I am not in debt over {$8000.00} and have been dealing with the stress of not being approved for anything because of the unprofessionalism of Santander Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many credit inquiries on my credit report that I NEVER authorized or approved. I been battling with identity theft for some time now and these inquiries are not any that I inquired about MYSELF nor did I approve anybody else to act on my behalf to obtin these inquiries. ALL OF THE FOLLOWING INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND I WOULD LIKE THEM REMOVED AS SOON AS POSSIBLE. THE INQUIRIES ARE : 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 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  ALL OF THESE INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND SHOULD BE REMOVED ASAP BY ALL CREDIT REPORTING AGENCIES THAT ARE REPORTING ALL OR ANY OF THESE INQUIRIES.
Product: Credit card or prepaid card

Barclay card is one my few financial institutes that did not implement two-step authentication. They also fail to allow registering " + '' in email address. Both led to Barclay 's insecure and less private system. The customer service and IT remain ineffective and/or give false promises even after years of multiple calls/messaging.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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

I noticed that there was a late payment on my credit report that was 30 days late in which I never meant for that payment to escalate to that point, I have been unemployed for quite sometime, I have been homeless without a car, a place to live, nor food to eat and I have asked for help in any way that I could without success. I have explained in the late payment letter that I would not be able to get a place, a job, nor car if this Goodwill Courtesy is NOT granted and I have knowledge about how credit reporting works as I worked in the line of business previously. However, I have NEVER paid late, my income has been under the table having done odd jobs for people and I do not have a W-2 as the amounts vary from time to time. I am asking this as a one-time courtesy as I plan to pay on-time and I am hoping to have steady income soon. I have been on my own since I was XXXX XXXX XXXX, I have been in and out of various group homes, etc. I have been evicted from my home and had my vehicle repossessed due to lack of income. I am asking that this late payment be removed from the attached credit report and also removed from the other two as well ( If it has not been already reported. I have not had steady employment since XX/XX/year> and I have been trying to find a job. The only income I receive is food stamps and that barely gets me through. I have been denied unemployment benefits, no help from anyone and all of the resources I contacted require me to have employment as the help would only be temporary.
Product: Credit card or prepaid card

I purchased 4 XXXX XXXX XXXX tickets through Chase Ultimate Rewards portal on XXXX. But I was not provided the tickets even after making full payment using my Chase reward points. The tickets were for visit to XXXX on XXXX. I have called chase multiple times on XXXX and they are unable to provide a voucher even after receiving full payment. This is complete deficiency in service. Further, their call center employees put me on hold for several hours combined causing me mental agony and lost holiday time. I didnt want to spend my holidays on calls with Chase customer care. the employees were not helpful and made false assurances on recorded conversations which were not fulfilled. Chase will be liable for all losses, money, time and otherwise incurred by me and my family due to such deficiency in service. Further, the Call center employees wanted to put me on a 40 minute hold and refused to arrange a call back making me a virtual employee of chase without adequate consideration.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXXXXXX XXXX XXXXXXXX - Incorrect Name # XXXX : XXXX, XXXXXXXX XXXX  - Incorrect Name # XXXX : XXXX XXXX - Correct Name : XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX, IL XXXX - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX, IL XXXX My current residential address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl. XXXX. 

XXXX. Wrong Date of Birth : none My Date of Birth is : XX/XX/XXXX XXXX. Wrong Employers : - Wrong Employers XXXX : XXXX XXXX XXXXXXXX My employers is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Debt collection

i am getting constant harassing phone calls and repeated threats from this company!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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
Product: Credit reporting or other personal consumer reports

I noticed a collection was on my credit report by a company called XXXX XXXX XXXX for {$550.00} back in XX/XX/year>. This is not my account and I have no dealings with this company, I believe it to be fraudulent and is a violation of my rights to privacy according to 15 USC 1681 section 602 A. In accordance with the Fair Credit Reporting act
Product: Credit card or prepaid card

I was given permission to discuss the credit card account for my daugher, XXXX XXXX XXXX I opened up a Discover card for my daughter, XXXX XXXX and am the one responsible for payments. Approximately on XX/XX/2022, I called Discover customer service and requested that this account be closed because 1 ) Although I had submitted a payment of approximately XXXX dollars on XX/XX/XXXX, it had still not posted as of the time I called, which resulted in declined transactions, and 2 ) I would be required to call in after I made a payment, and I thought this was excessive, so I requested the card to be closed. When I talked to discover, I was informed that I would get a refund of {$220.00} because I had submitted payments which total exceed the credit limit, and thus I had a credit on the account. However, when I called Discover again, I was told that the refund had not been submitted. At this time, I had informed Discover that a series of refunds had been credited to the account, these refunds are 1 ) XXXX, 2 ) XXXX and 3 ) a pending refund of XXXX. At this time, I had fulfilled my payment obligation of the {$500.00} credit and the {$500.00} credit that was extended to my daughter was fufilled through my personal payments that was made to this card, thus any refunds that were made to the card would result in credits, thus these credits should also be refunded to me. However, the representative I talked to disagreed and told me that I would not be entitled to these refunds. This is actually stealing money from me because I had already fulfilled the obligation of the {$500.00} credit that was extended to my daughter, thus any credits should be refunded to my daughter. At the time these refunds were credited to the Discover card, the {$500.00} credit had already been fulfilled and these refunds resulted in credits to the card. Thus, my daughter is entitled to the XXXX credit which was originally a credit to the card, in addition to the refunds to the card, which amounts to {$160.00} thus my daughter is entitled to a refund of {$390.00}. I have attached an account summary showing the available credit of {$500.00}, in addition to the refunds that was applied to this card account. The refund of {$96.00} is pending, approved, and on its way to the discover card account.
Product: Money transfer, virtual currency, or money service

I signed up with MoneyGram to transfer some funds to XXXX on XX/XX/XXXX. 
I intended on transferring {$800.00}. I was limited to {$500.00} by MoneyGram, so I only sent {$500.00} on XX/XX/XXXX. 
When I saw that the transfer had gone through, on the morning of XX/XX/XXXX I transferred the additional {$300.00}. 

Using their online services, I clicked on the " send '' to same person more money. 

The recipients were not able to get the 2nd transfer. 

I chatted online with MoneyGram ( XXXX XXXX XXXX XXXX XXXX ), and called their Customer Service ( XXXX in XXXX ) on XX/XX/XXXX. 
I was told that my account had been cancelled, that the Security System had rejected me, and that I have been prohibited from using their services. They said the transaction in question would be cancelled and my money would be refunded. They also informed me that I must use another service to send money. 

I asked why denied from using service? Why was I rejected by the Security System ; on what grounds? They were unable to answer any of my questions, nor were they willing to connect me with anyone who could. 

I also discovered a change on the 2nd transaction. MoneyGram changed the recipient 's name on the 2nd transaction. The original was for XXXX XXXX XXXX. The 2nd was changed to XXXX XXXX ( last name all capitol letters )? 

Why hold my money for 3 weeks ( 3-10 business days ; they've sabotaged it so my account has been deleted, and the name was changed so that the money can't be withdrawn by anyone )? 

I waited until XX/XX/XXXX and my funds still had not been returned. I spoke with a rep named XXXX and was told that an email had been sent by the Escalation Dept. and that my refund was still in progress. He hung up on me, so I called back and spoke with a rep named XXXX. He said that it would take XXXX business day to refund monies returned to my account from XX/XX/XXXX [ 10 business days from 9/19 takes me to Oct. 2 to get my money returned to me ]. 

I waited until XXXX and I still had not received my money. 

I think MoneyGram has done something criminal by changing the name of the recipient and not returning my money. 
The receiver " XXXX XXXX XXXX '' was changed on the 2nd transfer to XXXX XXXX ( last name all capitol letters ) without my consent, apparently to prevent the transaction from taking place. 

I am appalled at being denied, prohibited from using their money transfer services for no reason. I've been implicated, incriminated, under suspicion reputation stained, rejected from using their services. I've been treated like a criminal for no apparent reason. And yet MoneyGram has deceitfully, egregiously amended a Global Fund Transfer transaction that I initiated, changing the name of the recipient that prohibited the transaction from taking place. Isn't that illegal? 

On XXXX I chatted online with a XXXX XXXX She couldn't provide me with any further information. She asked me to check my bank account to see if the refund had shown up in my account. No funds transferred XXXX at XXXX. She told could not help me and told me to contact Customer Service. 

Vicious cycle going nowhere ...
Product: Debt collection

I have received a letter from Amsher Collection Services , Inc. regarding the {$120.00} debt I owe from XXXX XXXX XXXX, I want to let you know that I have never had this account with XXXX for a long time.
Product: Debt collection

Today, XX/XX/2021, I received a debt collection letter from American Coradius International LLC. They say tgat XXXX XXXX sent my account to collections and I owed {$860.00}. I was supposed to contact them within 30 days. Also, that XXXX was willing to accept partial payment of {$650.00}, paid to XXXX. Once this is paid, if I wanted to use XXXX again, I would have to pay the remaining balance. A few years back I used XXXX to make a purchase, but because I never used it I recently closed the account. I did not owe money because the XXXX account was attached to my bank account. I looked up this company 's address and it comes up as XXXX, NY, not XXXX as on the letter and it is a small little office. There are a ton of reviews attached to the XXXX search warning people not to pay, it was a scam. It is the weekend so I have not been able to call yet.
Product: Credit reporting or other personal consumer reports

My account with ( 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 was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1
637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I lost my drivers license and as a result, someone used it to gain medical attention, and car Rental services. So Please Remove.
Product: Credit reporting or other personal consumer reports

Having difficulty obtaining housing with XXXX XXXX  voucher from XXXX XXXX new jersey. Credit profile!!! Not able to get a bank account loans or credit for anything. On welfare currently receiving snap XXXX XXXX XXXX  also approved for housing case id XXXX. XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I have been reporting to several organizations to phishing depts and more need assistance. No clothes, food. Etc no transportation things are slow XXXX XXXX XXXX dob XXXX XXXX XXXX ss XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX new jersey XXXX XXXX XXXX  XXXX XXXX textnow XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX  dob XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.