23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I went on a Cruise with XXXX and notice a discrepancy with my Blue Bird XXXX that reflected duplicate billing activity. I immediately contacted American Express Bluebird XXXX at XXXX and informed the Service representative of the incorrect Holds placed on the account by XXXX. I was told at this time that I needed them to provide documentation stating that these holds were in error. I contacted XXXX Guest Care Team at XXXX and was told their procedure was to fax this information to provide immediate release of these Holds on my Debit Card. I contacted American Express Bluebird XXXX XXXX at XXXX and requested a fax number and was told there was no fax number. I asked to speak with a supervisor who also told me there was no fax number. So I googled American Express and contacted them at XXXX and asked for a fax number to remove the holds on the XXXX XXXX. I was given a Fax number to their XXXX XXXX XXXX and the XXXX Representative stated she was forwarding the information to the department that handles these concerns. The above actions took place on XX/XX/2016. Today, XX/XX/2016, I contacted XXXX to inquire if they had faxed the information and was told it was sent XXXX XXXX, 2016 and they had a confirmation. I then contacted American Express Bluebird XXXX at XXXX and was told the fax was not according to their policy and the Holds on my XXXX XXXX would remain until XX/XX/XXXX. The XXXX Representative continuously stated their 30 day hold without justification for an erroneous hold. Therefore, I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed Bankruptcy with XXXX XXXX Equifax and XXXX that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items.
Product: Debt collection

There is a {$450.00} delinquency for a XXXX account on my XXXX report as of XX/XX/XXXX. Current debt collector is Prince Parker & Associates. This is for service at my aunts house ( XXXX XXXX @ XXXX XXXX XXXX XXXX , XXXX, MO XXXX ). 

The years of service on this account are from XXXX. I DID live at the XXXX XXXX  address, but only till XXXX. After that I moved in with my girlfriend in her apartment, and then in XXXX we bought and moved into a house together, where we still live. Again, we moved into this house THREE years before the start of service on this account. My XXXX report confirms this timeline. 

I dont know how my name got put on the account. The email address on the account is not mine, and I can't access the account online, and never have. One possible explanation is my aunts daughter used to share a family mobile plan with me through XXXX XXXX XXXX, although I cant explain how that led to this. In fact, I have a current mobile plan with XXXX XXXX XXXX under a different login and email address. My aunt has acknowledged this is her account, not mine, and will pay the delinquent balance. I have asked her to wait until I can confirm this will be deleted from my credit report. 

XXXX XXXX XXXX has not been helpful. In fact, when I originally received a letter from the debt collector ( Prince Parker & Associates ) in XX/XX/XXXX I called XXXX XXXX XXXX to ask why I received it. They assured me not to worry, this account would not be collected in my name. Now I wonder if they were mistakenly looking at my mobile plan, or just trying to get me off the phone. I regret taking their word for it. They of course have no record of that phone call. 

Again, my aunt confirms this is her account. She will pay it, and accept any credit report consequence. Please help.
Product: Debt collection

Collection being reported on fraudulent debt. I did not receive any communications from the collector prior to reporting. I did not receive any communication notice or a validation notice per the FDCPA rule that regulates when a collector can report the collection. I have since disputed the collection and requested validation and I did not receive any notice from Source Receivables. At this time I believe my rights are being violated by this company. This collection is impacting my lively hood and my credit worthiness. I ask that the CFPB, please get involve and help me get a resolve. I should not be held responsible for debt from a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

Requested resolution : I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX P XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, P ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 or other personal consumer reports

Some one applied for credit in my name my XXXX has been used with out my consent My information has been exposed in serval data breaches i have not applied nor did i benefit from any of these inquires on my reports i ask that you remove these immediately Experian - 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 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 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 card or prepaid card

XXXX prepaid XXXX will not send a verification code to verify my phone number that is already on file. No one at there office will answer the phone. I was on hold for over an hour. 
And was then disconnected
Product: Credit card

I realize that I closed credit cards after the promotional period. Because the credit card companies utilize credit ratings that because I used a few promotional credit cards successfully and closed these accounts with a zero balance that the credit rating reports are trying to stall my ability to open new credit cards. This is seen that I was denied a credit card with a new credit card company only because I previously closed my credit cards with other credit card companies successfully. Because I have quite a few accounts that I was pinged for this and discredited with a denial of my credit card application for which I lost credit points on my credit score.

I feel they do not trust those who utilize promotional periods and close the account after utilizing promotion periods thus deny promotions to myself when opening a new credit card. This is essentially a credit card scam from the credit reviewers and credit card companies other than just american express : " Our evaluation of the inquiries on your credit report based on the number, type and recency. ( XXXX ) Your average utilization of credit card accounts is currently too high ( XXXX ) ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : TD AUTO FIN XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian twice about a collection account that recently popped up on my report. 

I fixed a dispute twice and told them the balance reported was wrong. That I am a customer of the debtor and I owe {$160.00} not {$870.00}. I also have pictures from the original merchant showing how much I owed them. Experian refuses to take it off of my account or resolve this and it dropped my score. The original merchant is XXXX, not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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: Debt collection

I received medical treatment for an XXXX at XXXX XXXX in XXXX, GA on XXXX XXXX XXXX. Following the treatment my insurance and I were billed directly from XXXX XXXX - the bill was paid accordingly. 

In XXXX of XXXX I receive a collection notice from Lanier Collection over the amount of {$150.00} regarding services I supposably received at XXXX XXXX XXXX '. 
I did not receive any treatment from this provider nor was I sent a bill. I requested further documentation that I received treatment and/ or owed this amount and after the collection agency LCA failed to do so I disputed it. 

It has now been flagged as unpaid on my credit report ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been communicating with XXXX about XXXX  XX/XX/XXXX and taking on a new route for better health. On XXXX.20, I decided to go forward. However, once I went through the consultation. Then I was scheduled with someone else for the program. In that conversation the representative realized my dismay and the fact of me being misled to believe the program was something else. The representative referred the manager to contact me. I was contacted immediately. At that time, I was redirected and once again it was an app needed to fulfill the program. I just received an smart phone and was not savvy with apps and it was impersonal. So, after I spoke with the rep and the manager, I determined this program was nothin which I hoped for and it was not a match and for my lifestyle at all. I contacted the manager and informed I wanted to discontinue. I sent an email to the person whom I originally talked with. After I sent email and left a voicemail without any response. I communicated with my bank for dispute. This communication was within less than 24 hours from my initial contact with the representative whom referred me to the manager. Therefore, I as a VA resident exercised my right to cancel 59.1-21.3. Cancellation of sale. As a matter of fact, I cancelled the services ALL within 24 hours. Aside from the fact, Three-Day Return Policy In consumer-facing businesses, the cooling-off rule can more commonly refers to a consumer protection law regulated by the Federal Trade Commission ( FTC ), that allows a buyer to release themselves from a purchase agreement within a set number of days of a purchase I contacted the manager and left a voicemail. No response I left a email to confirm cancellation ( attached no response ) I just want to make consumers such as myself aware of bad business practices and lack of response for resolution while transitioning to a healthy lifestyle. This behavior and handling of business is not acceptable nor ethical and possibly unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 4 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

TAKE THIS DISPUTE I am writing to request the removal of late payment information from my credit card accounts with your bank. My credit card account number ends in XXXX which is a platinum XXXX and XXXX XXXX ending in XXXX and the late payments in question occurred on XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

1. Change of Address was complete to ensure XXXX XXXX was directed back to our Estate. Dated, XX/XX/2020. Claim 1. XXXX Hospital, where request was originated did perform service of changing address of Title for Foreign Trust. Claim 2. XXXX  hospital STOLE and SOLD my RAW data to the U.S Department of Agriculture. Claim 3. We have the proof. Claim. XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX USPS, is party who recorder the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two complaints and responses regarding this account, they have only removed some not all late payments as requested. They are still currently reporting incorrect information and this is negativley affecting my report. They are violating my rights and FCRA. I have submitted a complaint with the Attorney General as well. They have removed some late payments that were inaccuratley reported and have acknowledged reporting innacurately. However they still refuse to remove all the payments as requested and comply with FCRA. They have edited their reporting and state they are reporting within the guidlines. They knowingly and willingly reported false information and have made edits after seeing dates not match up on the 3 bureaus but have not removed all late payments as I requested.
Product: Checking or savings account

Wells Fargo account was positive XX/XX/XXXX and not actively using.
XX/XX/XXXX My identity was compromised, XXXX, XXXX, XXXX, XXXX, XXXX, ID etc.. XX/XX/XXXX walk into Wells Fargo inform of compromise request statements had n't been receiving, Told checking charged off with balance of {$430.00}, unauthorized transaction and reversal of funds, was not enough funds in account but allowed the transactions and was not enrolled in overdraft protection. My phone was damaged in XX/XX/XXXX had no access and my address changed several times according to banker. XX/XX/XXXX File first claim for {$890.00} unauthorized transaction.
XX/XX/XXXX claim denied said my card my pin, unauthorized transaction and requested documents they relied upon over the phone, twice, still yet to receive. XX/XX/XXXX many claims submitted and they submitted all as one totaling {$3200.00} XX/XX/XXXX email investigation complete errors found.called number provided they said credited {$390.00} which was funds they could recover {$600.00} waiting to see if can collect from 3rd party. Credited amount went to charge off and many o consider the case closed. Notices were confusing, again requested copies of documents they relied upon, have yet to receive. Notice states that XXXX did not post to which statements do n't reflect also requested specific charges they claim did n't post, have yet to receive. Uncertain as to which transactions were errors and actual total of errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an e-mail saying a new negative item was now impacting my credit score. I logged in and checked and it was a balance from a collection agency for an amount of {$680.00}. I asked for the item to be disputed ( with experian ) and they did so, but in a short time confirmed it was my information. I tried to file a police report but the police still have not returned my calls. Experian doesnt seem concerned that Im telling them that the person who used my info to get approved for this card was not me. I told the collection agency that this isnt me. They agreed that it looked suspicious that it was not my address on the account. I still have not heard back from XXXX XXXX XXXX. My previous employer, XXXX XXXX XXXX lost my personal information due to a data breach. During the year of 2021 I had the credit reporting agencies lock my social security number with a fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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: Payday loan

Took out this loan in the amount of {$600.00}. Was told that the loan was {$130.00} per week but was not told that the loan the following 2 weeks and going forward would be {$200.00}. I found that out when they debited my account and I called them. They then sent me a copy of my application. I also found out today from the Indiana DFI hat this company is unlicensed to lend in Indiana and that the percentage rate is well over what is allowed ( 720 % ).
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 on those accounts 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX OF 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: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to address an ongoing issue that requires urgent attention. Despite repeated attempts and seven letters submitted, it has come to my notice that the following accounts, which have long been removed from XXXX, still persist on my credit report with XXXX and Experian. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I urgently request that you take immediate action to rectify this situation by promptly removing these inaccurate accounts from my credit report. The extended presence of these accounts is negatively impacting my credit profile and causing unnecessary distress. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm once the necessary corrections have been made.