23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Regarding visa # XXXX On XX/XX/XXXX I inadvertently made what should have been my car payment in the sum of {$390.00} to Barclays as my monthly payment when I intended to only pay the minimum payment of {$40.00}. This payment was made via automatic payment from my money market account. On XX/XX/XXXX I called Barclay card and advised I didnt intend to pay that amount can they please deduct {$40.00} and send me the difference. I was told they could not because the payment was sent by a third party I advised it was not it was automatic payment from my account. I called XXXX had XXXX on the line spoke with two managers XXXX confirmed the payment was not paid by a third party it was paid directly from my money market account via automatic payment through XXXX both managers refused and continued to refuse to return my funds because they claim the payment was posted as third party payment likely a mistake by Barclaycard. Even with XXXX on the phone confirming it was not a third party it was my automatic payment they still refused. Both managers also claim payment made by third parties can not be returned at all even in these situations when a customer asks for there over payment back. 
I informed both managers that they are holding my funds XXXX and clearly they are violating laws by not returning a customers funds even when the bank confirms the payment came directly from my account. All of the conversation which is recorded and will be subpoenaed if need be. However I am asking the CFPB to intercede In assisting with the return of my funds that came directly from my account even if it is via check directly to me so there third party concern which doesnt exist can be resolved. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This afternoon I received 3 calls from Amerisave Mortgage. none of which answer. A few minutes later I received an email that this same company had run my credit through XXXX XXXX. Without my consent and without my having had any communication with this company. At that time I received an email from XXXX that my score had been lowered by this company who ran my credit for a home loan. I HAVE NEVER APPLIED FOR A LOAN WITH THIS INSTITUTION OR WITH ANY OTHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not answer DIRECTLY TO THE COMPLAINT file Number XXXX. Experian bounced around the DIRECT problem. The complaint was not if I was the individual filing the complaint. The complaint was that the US Bankruptcy that is reporting on my credit report is not of mine and that Experian DID NOT " VERIFY " ANYTHING WITH THE US BANKRUPTCY WHICH IS THE FURNISHER AND XXXX XXXX IS NOT THE FURNISHER. XXXX XXXX FILE IS FROZEN DUE TO IDENTITY THEFT! THE FRAUD DEPARTMENT AT EXPERIAN WAS RUDE AND ALL I KEEP GETTING IS ITS BEEN VERIFIED. I RECEIVED A CREDIT REPORT STATING XXXX XXXX VERIFIED THE BANKRUPTCY. I HAVE DOCUMENTATION THAT XXXX XXXX  DID NOT VERIFY THE BANKRUPTCY THERE IS IDENTITY THEFT ON MY FILE WITH XXXX XXXX. Experian are LIARS! I have seeked legal representation for this situation and i will be suing for pain and suffering and a host of other things! THIS IS UTTERLY RIDICULOUS! IT IS A WASTE OF TIME TO FILE A COMPLAINT WITH CFPB!
Product: Credit reporting

This is to inform that credit card company XXXX XXXX XXXX reported 30-day late payment to credit bureau companies such as XXXX and Trans Union. I was in job movement from XXXX to XXXX and I forgot to pay small amount of {$40.00} or less on my credit card. I not only paid my dues but also a modest penaly of $ XXXX-XXXX. I do n't understand why XXXX is defaming me in my credit bureau reports since I have paid them penalty for late payment so they have no right to defame me or report bad for me. They can not penalise me monetary as well as social embarrassment.
Product: Credit card

I am writing to describe unfair and deceptive practices exhibited by Barclaycard and XXXX in their handling of the XXXX XXXX XXXX. My father, XXXX XXXX recently received his renewal notice informing him of the {$89.00} annual fee. See attached. In XXXX, he will be XXXX years old, and no longer wishes to maintain his card. In fact, in XXXX, he lost his card and his account is currently blocked to prevent possible fraud. 

The instructions on the letter is to call the XXXX number if he wishes to cancel the card. Because he has difficulty in hearing, I assisted him in calling the number. I explained the situation to the agent who insisted on speaking with my father. Although he could communicate his desire to close the card, ID 'd him by name birthdate and zipcode, that was not sufficient. I told the agent that they could ask me the questions, and I could communicate with him and provide further authentication, but they refused. 

I then offered the following suggestions to no avail:1. My Father could write a letter to close the card ( The should have his signature on file to compare ) 2. I could have his signature notarized. 
3. I also suggested that since this is a XXXX card product, I could bring him into a XXXX Branch to authenticate his request. ( he has ID ). 

They told me the ONLY way to cancel the card is through the phone. And if they can not identify him, they can not cancel his card. 

I sincerely believe that Barclaycard is purposely making it difficult to close the account simply to obtain the annual fee. I believe that there are many customers in this situation that are being held hostage, and end up paying the annual fee. Truly a deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2018, I was informed by my father XXXX XXXX XXXX that he received yet ANOTHER call from XXXX  XXXX XXXX on his phone number of XXXX and which they've asked for me. .. and was told repeatedly they have the wrong number because of the verification of the last four digits of his social are not mines, and I XXXX XXXX XXXX am the person in whom they're looking for. So I called the number on my dads phone ( XXXX ) from my phone number XXXX and spoke to XXXX XXXX, and was told that my phone number ( XXXX ) XXXX is on the file. So when I asked XXXX XXXX, then why is he calling my Fathers phone number repeatedly for the past several months ... when they have my phone number on file. he replied to me. " it was a dialer call ''. ( illegal ). I then informed XXXX, that I'm not in hiding and whatever skiptracing tool their using shows my current address and phone number to get directly to me. AND the fact that they've not called me in months ... yet are still calling my dad is a violation under the FDCPA Section 806 for Harassment .... I asked him to answer as to why they're purposely calling my dad when they have my number ... and was ignored. ... XXXX XXXX then told me he'd rather me speak to a supervisor and the call was transferred to XXXX XXXX. His professionalism was worst then XXXX, the account manager. He refused to address the situation of them harassing my father ... he continued to talk over me, and talk at me while I was talking, attempting to berate me on the phone call. 
I eventually informed XXXX that I WILL be following up with a complaint cause it's clear my rights and the right to contact a third party repeatedly have been violated and clearly they have no intent on apologizing or being humble to even attempt to correct the problem ... all he wanted to do is attempt to collect a debt ... .3 All in all these collectors were Rude, and Disrespectful and Honoree even after being informed of their violations and I plan to make sure I do whatever it takes to get the word out on this companies, poor collection tactics.. and harassing measures.
Product: Credit reporting

XXXX XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX.
Product: Credit reporting or other personal consumer reports

I have an unverified account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. The original date of default and collection activity begins 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Group Cease and Desist all further communications and collection activities and provide the verification of the purported debt.
Product: Debt collection

XX/XX/2021 I received a letter from AFNI, INC saying i owed a balance of ( {$9200.00} ) for a debt that has been sold to them from XXXX  XXXX  XXXX  , XXXX XXXX I Wrote Afni a letter certified mailing, asking for debt validation XX/XX/2021, I havent yet got any form of response. I am very concerned on how cant I get the information when I see the activity dates on the account is constantly updating. Afni told me to contact XXXX  XXXX  XXXX  for more information regarding the debt and I have already did that before the debt was sold to them. It seems like I cant get any where with either one of these companys when I am asking for validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XXXX XXXX, 2017 to dispute information, regarding over XXXX hard inquiries for XXXX XXXX for XXXX and XXXX for TransUnion that was placed on my credit reports. They received the letter on XXXX XXXX, 2017. They completed the request XXXX XXXX, 2017. The request I submitted was over XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( TransUnion ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or TransUnion fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Product: Vehicle loan or lease

In 2016 I purchased a new vehicle using GM Auto Finance while living in Washington state. After that I moved states 2 times ; and in both cases I registered the vehicle in the new state, and updated my address on their website.

Fast-forward to the end of my loan, I waited for my title. GM lead me to believe that they had sent it to my current state. So I went to the appropriate office to get it ( Secretary of States Office here ). Talking with someone there I discovered there was some issue. And after back and forth and nearly 3 years I have finally found the issue.

GM sent my title to Washington state and not my current state. When I asked them why they never updated my address appropriately for my title, they blamed me for not explicitly telling them I moved in a specific manner they never really explained. But as noted above I updated my mailing/billing address on my account via their website and registered the vehicle in my new states of residence. The latter of which they informed me would have required a request for the title, which the states must have gotten as the vehicle was registered without issue. Which would indicate that the states had contacted them and gotten the required information, why GM didn't note that or update appropriately is beyond me.

When pressed on why nobody had explicitly informed me that I need to take special steps to get the title directed properly they insinuated that I should have known that, even though I had absolutely no way of knowing that ( since they didn't tell me, they also told me they do things differently than other lenders, which if that is the case then they need to inform their customers ). When I asked about this, and why they didn't inform their customers of this, they told me they had no way of knowing who was going to move. Which is true before hand, but if customers did what I had done, there was plenty if indication to GM to know that I had moved and that they could have told me if there was any special steps I needed to take. Putting aside that it shouldn't be my responsibility for them to properly administrate their loans.

So now I have to coordinate with a state office in a state I don't live in ( on the other side of the country ) to try to get something that they should have just sent to me directly. At this time I don't know if I will have to pay out of pocket for anything, nor how long this could all take.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting

I am filing a complaint because I have contacted Experian and XXXX in writing, detailing fraudulent activity on my credit report. I have ask XXXX to verify this fraudulent mortgage account showing on my credit report. After requesting in writing and also talking to XXXX, I was told they do not have any documents ( Loan origination or Foreclosure filings ) on this account. I have additionally visited/contacted the XXXX XXXX courts system and they have no documentation of this foreclosure or any foreclosure with my name in their system. I have contacted Experian to request an investigation to no avail. 
Chapter XXXX of XXXX XXXX XXXX XXXX states that creditor are required by law to produce documents pertaining to a foreclosed mortgage account within 30 days of receiving a qualified letter in writing. I have requested in writing twice with no response. I request Experian promptly delete all information which can not be verified. Please resolve this manner as soon as possible. Thank You
Product: Debt collection

We have received several phone calls from different " debt collection companies '' regarding a credit card debt from the early XXXX where we are told that I will be served a summons to appear in court regarding the debt, most recent was today XX/XX/23 from XXXX XXXX XXXX debt collection. I let them know that I am unemployed and live with my daughter and have no income outside of my Social Security. When I let them know that I knew this was a scam, the guy got belligerent and said that they would just sue. I told him we knew this was a scam and then I hung up. The number I called from is XXXX. They gave me a case number of XXXX. I know this is a scam because a couple of months ago, I was contacted by another company stating the same thing. When I found the company online, I called the number and spoke to the owner. He told me that he has been getting calls from ppl using his company name fraudulently. That company was XXXX debt collection. They said the same thing and then when I called back to let them know I knew it was a scam and that I had reported them to the FTC, the calls stopped until this most recent call.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Creditor Phone Number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Phone Number : XXXX I recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Consumer Response Division 1700 G Street NW Washington XXXX DC XXXX Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding actions taken by XXXX XXXX XXXX/ TEMPOE LLC, concerning an alleged debt they claim I owe. Despite my repeated requests, XXXX XXXX XXXX/ TEMPOE LLC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they have placed this debt on my consumer report without affording me the opportunity to dispute the account, a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

Furthermore, I believe that XXXX XXXX XXXX/ TEMPOE LLC is violating my consumer rights by engaging in false, misleading, and deceptive practices. Their failure to provide validation information, coupled with their placement of the debt on my consumer report without due process, constitutes a clear violation of consumer protection laws.

According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), collection agencies are required to provide all necessary disclosures and adhere to strict guidelines when reporting information to consumer reporting agencies. XXXX XXXX XXXX XXXX TEMPOE LLC has failed to meet these requirements, thereby further infringing upon my rights as a consumer. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure that XXXX XXXX XXXX/ TEMPOE LLC complies with federal consumer protection laws. Additionally, I urge the CFPB to hold XXXX XXXX XXXX/ TEMPOE LLC accountable for their actions and take necessary steps to rectify any harm caused to me as a result of their non-compliance. 

Additionally, I am formally revoking any consent for you to communicate with me via email, text messages, or phone calls regarding this matter. Please refrain from contacting me through any of these means. Any future communication should be conducted via postal mail only. 

Furthermore, I request that you provide the following information : XXXX. Validation of the debt, including details of the original creditor, the amount owed, and a breakdown of any fees or interest charges. 
XXXX. A copy of the purchase agreement between your agency and the original creditor, establishing your right to collect on this alleged debt. 
XXXX. Proof of your agencys licensing and bonding, demonstrating your authority to collect debts in my jurisdiction. 


Enclosed with this letter are copies of relevant correspondence and documentation supporting my claims. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 


Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

I believe that this debt collector illegally altered my information so that I would owe a debt collections company I do not owe. 
Or they may have contacted my original creditor and asked to have me make payments to them. This debt collections company is reporting to the credit bureau that I am delinquent and I have not paid my debt to my original creditor when I have proof of payment to my original creditor. I have already disputed this debt collection 's company because I have been making my payment to my original creditor XXXX Hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX.