23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

regarding XXXX/XXXX  account no.XXXX appearing wrongfully on my transunion and XXXX reports . 
I NEVER ORDERED THIS CARD. 
I NEVER ORDERED ANY MERCHANDISE. 
ALL OF THE CHARGES ON THIS CARD ARE RETURN OR RESTOCKING FEES AND THE INTEREST ASSOCIATED WITH THOSE FEES. 
DELETE THIS FRAUDSTER 'S ACCOUNT FROM ALL CREDIT BUREAUS.
Product: Credit card or prepaid card

On or about  XXXX   XXXX    XXXX  , I created a complaint #  XXXX  against  AMERICAN EXPRESS  GOLD DELTA SKYMILES. It was a clear case of UDAAP. This complaint is once again against  AMERICAN EXPRESS GOLD DELTA  SKYMILES for the same account ending in  XXXX .   Now i have the eligible transaction at  XXXX  of {$25.00} few days back. But  AMERICAN EXPRESS  GOLD DELTA SKYMILES is stating that they could n't find out any promotion on my account to award me {$100.00}.   Moreover when i chatted with them - they are stating  6-8  weeks for investigation alone and that too they wo n't notify me regarding the result of investigation.   This is ridiculous.  Amex  is finding way to deceive customers and take away the award money. Attaching chat with customer service and the recent activity from that card.
Product: Debt collection

After reviewing my credit report, I found accounts that I did not authorize. Please block and delete these inaccuracies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 AR Resources added a derogatory mark on my credit report in reference to XXXX accounts per XXXX and XXXX. I disputed account # XXXX, # XXXX, # XXXX with the Creditor XX/XX/2021, nothing I demanded was provided to me except a copy of a bill. A bill without no signature does not validate the debt and anyone can send a bill and say its mine. Also the account # XXXX in particular, has passed the Statute of limitations according to FL Medical Debt Law this was XXXX of the demands the creditor FAILED TO PROVIDE, In addition to, according to FDCPA, Creditors must report to the CRA that an account is being disputed and A UPDATE Activity Status AR Resources FAILED TO DO THAT. I have the accounts re-investigated and still they did not contact the CRA regarding the disputed account also no change in the account activity, It shows a consumer dispute the account because I have disputed these accounts in the past, NO ACCOUNT ACTIVITY UPDATE from XX/XX/XXXX until today. I would like these accounts REMOVED IMMEDIATELY
Product: Checking or savings account

On XXXX, I used the Wells Fargo Mobile app to deposit two checks, for {$2000.00} and {$1000.00}, respectively. As is typical, the success message indicated my funds would be available the next business day, which was XXXX. A screenshot showing the deposit details, including Available Date, is included. Then, on XXXX, I received an email from Wells Fargo advising me a deposit hold was placed on my account my deposited funds would not be available until XXXX. I contacted Wells Fargo and was told that it can sometimes take longer for checks that have been deposited to clear. This did not seem to make any sense and was not in line with how Wells Fargo has processed deposits for the five years I have banked with them. A " reasonable time '' for a local check to clear is 2-5 business days, according to Regulation CC. That time period has lapsed, I have spoken with XXXX at Wells Fargo Corporate, and Wells Fargo is still unwilling to release the funds until XXXX. I believe I am being retaliated against for having a recent negative balance. I was a XXXX  at the time and just graduated. The negative balance issue has been cured.
Product: Credit reporting or other personal consumer reports

See previous claim. I disputed the charged off account. Their response was that the acct was not charged off, but it has been indicated as charged off AND written off via my consumer report. The consumer credit report does not equal the companys response. In addition, as a result of the dispute the payment history was updated to past due over 30 days ( currently ), tarnishing my credit worthiness more. 
This is yet another violation. It was charged off-written off more than over a year ago. 
I am adding XXXX XXXX to this claim as they reported the same ( past due ) and its been written off, charged off.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS FAILED TO REMOVE 7 NEGTIVE ACCOUNTS REPORTING ON MY CREDIT THAT SHOULD NOT BE ON THERE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE CALLED AND PROVIDED EVIDENCE TO EXPERIAN EXPRESSING MY CONCERN OTHER BUEROS HAS DONE THEIR INVESTIGATION AND DELETED THESE ACCOUNTS OFF MY PROFILE AND BY LAW MY CREDIT REPORT WITH ALL XXXX  MUST BE CONSISTENT AND ACCURATE. EXPERIAN IS THE ONLY XXXX REPORTING THIS INACCURATE INFORMATION DISPUTE DISPUTING THIS NUMEROUS TIMES. I WILL SEEK LEGAL ACTION DUE TO THE DISTRESS OF THE INACCURATE INFORMATION
Product: Credit card

My Complaint is direct at both XXXX and the Apple card XXXX Many, Many, Many Years ago, XXXX offered me a free cell phone reception booster for my house. I can honestly say it didnt work. I dont recall the exact date that I got the booster, but it was something like in XXXX or XXXX I mean a long time ago. I believe it was called XXXX but Im struggling to remember. There were two cheap plastic boxes. One which you were supposed to put in your window, and another in a central location In your house. It didnt really improve reception and XXXX began allowing WiFi calling, so I didnt think the boxes helped. After I got the device, I realized that there was a non-return penalty of {$500.00} if I didnt return the box. Knowing that I didnt think the box was useful ( and previously paying a cable company for forgetting to return a cable box ) I drove to my nearest XXXX  store to drop off the box. I dont recall how the transaction went ( it was like 10 years ago ) but I recall returning the box to the store. Fast forward 10 years, I decide to cancel XXXX  and go to a XXXX XXXX XXXX I visit national parks and XXXX  coverage on national parks is much better. Anyways, XXXX informs me that they dont have a record of this box. I spent a while on the phone with them, and Im told by the representative that I have to return the exact same box with the exact same serial number. Of course, I dont have it anymore. Otherwise, they will bill me {$500.00}. Sure enough, they charge my credit card {$500.00}. I dispute with my credit card company, and they say well XXXX showed us this invoice so thats proof enough for me. My problems : Said box was returned years ago I was not allowed to pay todays market value for the box. No way a signal booster from 10 years ago is worth {$500.00}. Looking on XXXX, I can buy what I think is essentially the same box today for {$20.00}. I think the box was XXXX, meaning it would likely be deprecated today. Because I dont keep receipts or have proof from 10 years ago, Im being charged {$500.00}. I was a XXXX customer for well over a decadepaid them north of {$5000.00}. I recognize breakups are hard, but charging me {$500.00} for this XXXX box is just a great way to tell a customer to never come back. My phone number is XXXX My XXXX Account number was XXXX My Apple Card is tied to my apple ID : XXXX Am I wrong here? How do I get my {$500.00} back? Has XXXX  done this to anyone else.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX we noticed that LendingPoint had taken their   payment out of {$830.00}. XXXX early XXXX approx XXXX I notified LendingPoint that my employment was still impacted by COVID19 and I hadnt yet secured a job thus unable to pay and to stop automatic withdrawal. LendingPoint had allowed in XXXX of 3 months with good faith payments of {$72.00}, {$72.00}, {$100.00}. On the XXXX they took our entire payment of {$830.00} without approval or permission via request to cease auto withdraw. 
I called and spoke to representative XXXX XXXX who acknowledged the error apologized and assured escalation to upper management and a refund of the unauthorized withdrawal within 24-48 hours. As of XX/XX/15 this has not yet been refunded causing multiple overdraft fees in my account and inability to purchase necessities for everyday life. We have contacted via phone and email representatives with LendingPoint since the expiration of the 72 hours who have assured us its being processed but it still has not.
Product: Debt collection

Clear violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), and a pattern of misleading and unlawful actions by Portfolio Recovery Associates ( PRA ). 
On XX/XX/XXXX, I sent PRA a certified letter requesting debt validationa basic right afforded to every consumer under the law. The FDCPA gives consumers the right to verify any debt before it is pursued in court. PRA had XXXX days to respond with the proper documentation, but they chose not to. Instead, they filed a lawsuit without providing the documents I requested. 
This is not just an isolated mistake. PRA has a documented history of threatening legal actions and initiating debt collection lawsuits without the required documentation. They mislead consumers by sending form letters that promise to provide necessary proof of debtbut in my case, they failed to follow through. They have used these deceptive practices repeatedly, violating not only the FDCPA but the trust of countless consumers like myself. 
Let us not forget that PRA has been fined and investigated by the CFPB for engaging in these same practices. They have a track record of deception, and this case is just XXXX more example of how they continue to disregard the law and consumers rights. 

Portfolio Recovery Associates Account XXXX XXXXXXXX {$5300.00}
Product: Credit reporting or other personal consumer reports

Experian Credit Reporting has used my credit report improperly and without my verbal or written permission, further violating my FCRA RIGHTS. Experian was sent a dispute by me on XX/XX/2024 for the item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR - XXXX XXXX XXXX  AMOUNT XXXX. I sent in an identity theft form fully filled out with all the imformation along with all of my identifying documents. EXPERIAN REFUSED AND DENIED MY BLOCK REQUEST. this is becoming a pattern for experian to not properly investigate my claims and block my requested item within 5 days of the id theft dispute. Experian sends me notices every time i submit a id theft report which is attached below, thats states they are denying my request. Even after multiple disputes both mail and online, multiple phone calls and 3 or more id theft reports EXPERIAN refuses to honor this goverment document and is still allowing this company access to my personal credit file after i requested this company be blocked and all reporting cease immediately. Recently on XX/XX/2024 EXPERIAN recieved my 4th dispute via certified mail along with an ID THEFT REPORT TO BLOCK THE ABOVE MENTIONED ITEM. IT HAS BEEN ONE WEEK AND EXPERIAN HAS NOT BLOCKED ITEM PER FEDERAL LAWS, AND THEY HAVE NOT HONORED THE FTC ID THEFT REPORT ONCE AGAIN. INSTEAD EXPERIAN HAS INITIATED ANOTHER 30-60 DAYS DISPUTE ON THE ITEMS, TREATING IT AS IF IT IS A NORMAL DISPUTE AND IT IS NOT IT IS IDENTITY THEFT. MY FCRA LAWS ARE BEING VIOLATED AND ALSO MY PRIVACY IS BEING VIOLATED. I REQUESTED A METHOD OF VERIFICATION OF VERIFIED ITEM AND I WAS TOLD BY EXPERIAN THAT THEY WOULD NOT PROVIDE THAT INFORMATION, INTENIONAL NEGLECT, AND WILLFUL VIOLATION OF FCRA 611.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Due to the fact that my choice above on why this is a false statement case if not above for me to choose. I have to explain my case here below. and I am just picking one so I can file this case.I file a case with the CFPB in XX/XX/2016 case number ( XXXX ) on Account Resolution Services. They replied back that they are registered and bonded by the State of Texas to collect debt. That is a false statement that they reported on my credit report. I have the proof that they are not in legal standing with the State of Texas they should be removed from my credit report. On the grounds of Services because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State.
Product: Credit card or prepaid card

I have never open up this account at all and I request verification and all i get it a bill statement that not verification that the account is my because if the account was open by someone else there will still be a bill statement
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint : XXXX, XXXX, and TransUnion XXXX. 

I feel frustrated, helpless, and wronged. XXXX, XXXX, and TransUnion are violating my rights and causing me emotional and financial harm. They are ignoring their legal responsibilities to ensure my credit file is accurate. 


1. They failed to validate debts for late payments and collections within the required 30 days.

2. They ignored my disputes about unauthorized hard inquiries unrelated to any accounts.

3. They left inaccurate late payments, charge-offs, and collections on my report without properly investigating. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Their negligence is costing me financially, tarnishing my reputation, and causing me deep mental distress. 

I need action now. Investigate XXXX, XXXX, and TransUnion immediately. Demand they remove and/or correct the inaccurate information. Protect families like mine from these harmful and deceptive practices. 

Thank you for standing up for consumers. 

Sincerely, XXXX XXXX
Product: Debt collection

Attempting to collect a debt XXXX in bankruptcy, refuse to remove negative credit reporitng.
Product: Payday loan, title loan, personal loan, or advance loan

I contacted quick credit on XX/XX/24 to try and close and settle the account. I spoke with a woman and noted that I wanted to settle and close the account offering one additional payment as I have already paid {$3400.00} dollars in a loan of {$2000.00}. I explained that they've received all of the original loan amount and some. I was told that they weren't willing to settle and that I needed to pay all of the interest at a rate of over 200 %. I again requested more reasonable terms as they aren't really losing money by settling and was again denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

For the past few months I have been disputing inaccuracies on my credit report. Outdated and irrelevant accounts, accounts that have been paid in full but are still reporting a balance ( XXXX XXXX ), incorrect credit age, it should be recalculated because it is much higher, unauthorized credit inquiries and fraudulent late payments being reported. 15 USC 1666 ( b ) Timing of payments specifically states that a creditor may not report payment as late on a XXXX XXXX account under an open ended credit plan unless they have adopted reasonable procedures to ensure that periodic statements have timely been sent to the consumer within 21 days of the billing date. I have continuously asked for proof from the CRAs and creditors alike to provide this information. They can not provide proof that they have sent periodic statements for the accounts that they continue to report derogatory late payments to. It needs to be corrected. XXXX specifically is reporting to accounts twice, negatively affecting my report and ability to obtain credit. The inaccuracies need to be corrected.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the account XXXX XXXX XXXX XXXXXXXX i am asking you to verify as accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXXXXXX XXXX to please update all credit bureaus with correct loan balance. They refuse to. And when I dispute, it comes back as accurate information. What they are doing is fraud and it is preventing my credit profile from updating with its proper score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX XXXX credit card online because I suspected mine and my daughters information had been misused with them in the past. They were the only card at the time that would not deny my appication. Then, when I got the card that I provided my social security number and current spelling of my name XXXX XXXX XXXX, they sent a card with the incorrect spelling of XXXX XXXX instead. The card needed activation. My phone number is compromised and therefor I was not able to activate it. I already have been told by police that I have " lost my identity '' although I dont really know how to get it back. after attaching my card to the user name XXXX and they implied that I had a checking account with them in the past that I am not aware of they allowed me to change the password to the online user XXXX. I insisted I need a fresh foot to stand on and I should be able to activate the card. They said, no, we will activate it for you. I was very upset and said to them '' Do NOT '' but they said it is too late and they said you can use the card now. Since I had no other at the time I began to use it. Then, I called them again about some other problems. Then, I noticed that the card they gave me was not reporting in realtime on the CRA that I had access to. They escalated to supervisor and said that they had 30 days to put it on my CRA report but as soon as they put it the account was deleted without explanation. I told them that I have learned how to swim in fraud as I have no other choice at the moment. Then, they called and said that I am not responsible for the balance but did not explain why as it were all my purchased. They also would not close the card. I disputed it with transunion and it was deleted XX/XX/XXXX they send a letter saying taht I am in erroer because my claim with CRA is not fraud.
Product: Credit card or prepaid card

XX/XX/XXXX auto scheduled payment to Bank of America credit card was rejected due to invalid account #.

XX/XX/XXXX when i try to access online bill pay, i'm given an error message to call technical support. because i'm locked out of bill pay, I can't submit payments XX/XX/XXXX i call technical support, they will submit a ticket to unlock bill pay with the updated account information XX/XX/XXXX i still dont have access to bill pay, i call technical support. they say they need valid account info to submit a ticket to open bill pay. 

my main issue is that the procedure for invalid payment is to 1. charge the  customer XXXX $ return check fee, 2. lock bill pay function, preventing customers from actually making payments online and 3. requiring a valid payment account should not be necessary if there is no outstanding balance.
Product: Payday loan, title loan, or personal loan

I have applied and got approved for a loan. I did not expect the fees to be that high. They are charging me over {$1500.00} for a {$450.00} dollar loan. Each month they pull out about {$110.00} in fees. 

I have paid off my amount for the {$450.00} and more, to have fees this high has left me more in debt and they take advantage of that. I am being threatened fees if I do not pay. 


They have taken payments out each month for {$110.00} starting since XXXX. They took two payments out monthly. They are considered a sovereign nation and are a tribe doing the loans. I believe they are unlicensed. I am trying to get the fees I have paid back due to outrageous amounts.
Product: Credit card

Continued problems with Synchrony Bank/Value City Furniture Account. 
This is the third time i have had to write to the Federal Trade Commission about Synchrony bank charging late fees to my credit card when my payments are not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquires from Discover Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/XXXX and I authorized this myself! Tried reaching out but got no help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$0.00}, Paid, closed, 32 late payments This account was closed and charged off years ago. 
It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Product: Credit reporting or other personal consumer reports

I was a victim about identity theft due to a dollar breach someone took my information and started opening up these credit card accounts. I tried to explain this to the creditors, but they wasnt trying to hear what I was saying according to XXXX XXXX XXXX consumer law without my permissive purpose please remove these fraudulent accounts due to data breach XXXX XXXX  XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt v. gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX {$110000.00}, XXXX XXXX {$14000.00}.