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

I am writing to complain to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit card or prepaid card

My problem involves a dispute with Barclays Bank. 
On XX/XX/XXXX XXXX canceled my upcoming trip to the XXXX XXXX, scheduled for XX/XX/XXXX, XXXX. XXXX waived any cancellation fees. 
On XX/XX/XXXX, I called Barclays dispute  division to file a claim. I waited a full 3.5 hours on hold, only to be transferred back into the hold line, because the representative was following a script and didnt have a proper answer for me. At this point I sent a letter to Barclays, with 12 pages of supporting documentation. I follow up with more useless phone calls, no customer service to be had. I dont know why you pay someone to not assist your customers. 
In the meantime, XXXX has credited the non-cancellable flights to our XXXX accounts, no problem, issued the same day. 
On XX/XX/XXXX, Barclays confirms dispute, yesterday, XX/XX/XXXX, I receive a letter stating that you are unable to pursue this credit because of the merchants no refund cancellation policy. I sent documentation directly from XXXX stating the cancellation fees ( {$50.00} ) had been waived. In fact I would have had until XX/XX/XXXX to cancel myself with just the {$50.00} cancelation fee. I did not cancel this trip XXXX did. 
As a matter of fact, my account on XXXX shows a credit of {$1300.00} issued XX/XX/XXXX. This has not appeared on my account, and XXXX has been answering disputes with this false claim. 
I filed a dispute for SERVICES NOT RENDERED, NOT TRIP CANCELLATION. I paid XXXX {$1300.00} for a 7 night stay in the XXXX XXXX. I have documentation that XXXX did not pay the XXXX XXXX XXXX in the XXXX XXXX. XXXX actually pays the hotel at the end of the stay. 
XXXX paused operations and told me to take the issue up with my bank. They have my money and you are refusing to assist me.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Checking or savings account

On XX/XX/21 I cashed a checked from the XXXX XXXX XXXX XXXX, Tx XXXX doing business at XXXX. Check was for {$390.00} and from an account associated with XXXX  XXXX XXXX. During the check cashing process the associate XXXX ( XXXX ) informed me I had an account in within the company, XXXX. I informed her I closed the account. She offered to reopen and proceeded to issue me a new debit card even after I denied it. I informed her to update my information in the system, email from XXXX to XXXX and to update license information. She stated updating license information was unnecessary and did not ask for identification either. Again, I asked her not to reopen the account or issue a debit card and she proceeded to do so. Furthermore, I was charged a fee when I was originally told the fee would be waived. 

The mentioned " XXXX '' also left identifiable information in public view and proceeded to assist another customer.
Product: Credit reporting

I m so tire of dealing disputing with Trans union and XXXX looks they are the king of the system, it seems nobody can regulate them!, I dispute XXXX hard inquires they deleted right away,, but on XXXX XXXX then they reinstate all of them again, they suppose to let me know 5 days before they reinstate them since now I was in the middle of applying for a new loan you know. is very frustrated been in the process of been qualify then I got denied because they put back the XXXX i inquires back without letting me know why was the legal reason to do that, I need your help please..the names and addresses I circle in my attachment are not mine.Transunion and XXXX keep adding new address lately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a written request was sent to the following company inciting that inaccuracies on my credit report in the form of inquiries be researched and vetted for fraudulent activity. The inquiries were not made by myself and done in the case of identity theft. I've submitted several police reports and supporting documentation, and the response received from the company was invalid. I would like this issued rectified immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/2021, sent a wire for {$30000.00} USD XX/XX/XXXX - Contacted support, said they'd look into it XX/XX/XXXX - Contacted support, said they'd look into it XX/XX/XXXX - Contacted support, said they'd look into it XX/XX/XXXX - Contacted support, said they'd look into it Getting no response about my wire, feels like a scam. I demand my funds back.
Product: Debt collection

My Name is XXXX XXXX, I would like to file an Official Complaint against Debt Collection Agency : National Credit Adjusters XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX For the last 2 years XXXX and XXXX respectively, I have been getting repeated calls about a debt collection from the above company. Legally they are only supposed to call me once a day. They have called my personal cellphone several times a day and sometimes evenings, when I stopped picking up their calls they would then proceed and call my work number several times a day as well. They used different area codes to mask their numbers tricking me to pick up, under duress, I stopped picking up numbers I wasnt familiar with. Costing me dearly in the process as I would miss important phone calls mistaking them for debt collectors in fear of harassment by them. On one Occasion I picked up the phone due to excessive annoyance and they threatened me with legal action if I dont comply with a payment plan over the phone. I once again declined the debt as mine and hanged up the phone. 
This year XXXX I sent out 2 challenging letters to them to verify the debt bearing my signature or contractual obligation to pay them since they are not the original creditor. 

" The Fair Debt Collection Practices Act states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 
In response to the attached letters they provided itemized printout statements of the original creditor which still has no evidence of a signature or legal binding agreement between me and the debt collector to pay them hence they are now validating an inaccuracy. 
Their false reporting to the Credit Bureaus has been very damaging to my loan and credit card application processes. I ask that they remove it completely from all 3 bureaus Please review all attached documents as prior evidence and understand this matter is Severe and help from your office to investigate this is much needed, looking forward to hearing from you Yours Sincerely, XXXX XXXX Debt Collections Agency Victim
Product: Credit reporting or other personal consumer reports

Consumer Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureau Name : Transunion Bureau Address : Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : XXXX  XXXX XXXX XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Requested Resolution : I request that { Transunion } conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments : documents Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There was incident between my boyfriend and I. But now the collections company is coming to me because some XXXX ( his friend ) made a fraud insurance claim with my name. I am not involved with this incident. I went to court for it already and those charges were dismissed, therefor I am innocent of them. The collections company keeps harassing me even after I faxed them the proof of the charges being dismissed and told them I have a lawyer. I do not need this showing up on my credit.
Product: Debt collection

I get a call from XXXX XXXX to call oakdale portfolio management something about paperwork for me to sign. That never came it was supposed to come between XXXX today. This company dont know XXXX XXXX XXXX but he sure knew them he calls from private number. He gives number to call XXXX XXXX the other number to oak dale is XXXX ( XXXX ) XXXX. I spoke to XXXX with oakdale today he was rude and antagonistic and aggressive. I hung up on him at first to call original creditor lendly and then got referred to XXXX XXXX they referred me to oakdale. Well I call XXXX back after verifying that. He asks about notices sent to me dont recall anything by mail, and he dont know nothing of this XXXX server no show guy but XXXX sure knows them. XXXX demanded immediate payment by debit card and he would send paperwork to stop next step in process what that is they dont know maybe wage garnishment anything really depending on law. With out immediate debit card and signature on some e docs right that second they will consider me not willing to resolve the account ( despite me telling them I was busy and couldnt get them that info right that second ). I think I received something from united maybe but not this oakdale place. Oakdale wouldnt send me payment plan paperwork with out debit card up front. They asked who I bank with same bank as when I got the lendly account XXXX snarked back thats surprising. Also according to XXXX if I kept track with my creditor or something like that this wouldnt happen ( after i informed about seeing if it was a scam ). XXXX was upset and loud and nasty and sounded mad about me hanging up on him earlier to check to see if this was legit he kept being obnoxious repeatedly oh its not a scam we got your info ( ya scammers can get that ). I told them because they didnt want to give much info. Kept demanding immediate payment and signature on e docs after getting my debit card first that maybe I should look at a lawyer or file complaint with ftc he hollered what lawyer I said maybe Ill look at getting one or filing with ftc he immediately disconnected. 


XXXX number ( XXXX ) XXXX XXXX portfolio number XXXX The number to XXXX and the oakdale office is in report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} Date Opened : XX/XX/2018
Product: Credit card or prepaid card

Usbank consumer credit card. Using the mobile or desktop website to dispute a transaction is impossible. The " dispute transaction '' button offers different prompts and questions that DO let you do certain things like deactivate the card etc. But do not actually let you submit a dispute online or on mobile at any time for any reason. All prompts end with a directive to call the usbank 800 number for help. The mobile website support admit this is the reality and I think it's misleading to advertise a dispute function without offering an actual online dispute process. 

Since calling usbank the message was updated to " coming soon were working on it '' but still does not work as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car on my credit report paid off. I did not file bankruptcy on the car. The company is refusing to show paid off. The put paid off through bankruptcy. I sent the letter to the credit bearu to show the car was paid off but they did not change the report. This is causing my score and car credit history to be low and im paying a higher interest rate.
Product: Debt collection

I have not used this dentist office in over 2 years, and this is not my debt. I have paid for the cleaning that have done for me at the time of service, and have no minors for which I am responsible. Basically their office does not care and will not stop regardless of what I say. Once again, I had no service done there except for cleanings which were paid for at the visit. This {$900.00} to {$1200.00} charge is not mine. I am unsure of the amount since it changes every time I get something in the mail.
Product: Mortgage

I closed on my home with a loan serviced by Academy Mortgage on XX/XX/2020. After closing, I called Academy Mortgage to inquire about our refund and provide a new address. We left 10 days prior to the end of the month of our last payment to Academy Mortgage, and had at least {$1600.00} in our T and I balance per our XX/XX/XXXX statement. On contacting Academy Mortgage, they informed me that they in fact paid some at my closing -- -which was certainly impossible as the amount issued by the title company at closing was significantly higher than the last account balance on our statement -- -and that they actually covered some of our final cost. I asked about our escrow balance for tax and property insurance, and they told me that they had already sent the check to our insurance company for a policy that would start XX/XX/XXXX and that any refund for that would come from the insurance company. I asked if they could please cancel the check and they said that they would try, and would then send our refund. Now we are a month and a half later, I have been looking for our refund, and finally had opportunity to call Academy Mortgage again. They informed me that they could not give me a certain answer. I pressed as to why, and I was told that the man I spoke to previously said the same thing as before. He did not acknowledge that he told me they would request cancellation on the homeowner 's insurance check. I then followed up my the insurance company, and they said that the funds for the policy -- -that never should have started in the first place -- -have not gone through. Academy Mortgage is lying to us and avoiding sending us a refund due on our mortgage. I don't know what the refund amount is meant to be, because Academy Mortgage never sent us documentation to show the closing status, and this is  not available online either. I do not know how much they owe me. The person I spoke to at Academy Mortgage today did seem more reasonable than the last, and said she would look into it and reply tomorrow. She seemed honest, but because she seemed to answer to dishonest others, I am not confident they will do the correct thing and provide my refund.
Product: Prepaid card

As you may be aware of, the issue with Rushcard is a big concern. As like many other Rushcard customers, I was not able to access my funds. I also experienced issues with my direct deposit. I think it is ridculous for this company to only offer a fee free trial period for all the damage they have caused, on the other hand, I am not surprised by their actions, it only goes to show that the rich do not, never have and never will care about low income civilizians.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of several data breaches and I ended up having inaccurate and unauthorized accounts listed on my credit report. Therefore, I submitted an FTC report to each of the bureaus listing all accounts that didn't belong to me. some accounts were removed but others weren't and the bureaus failed to notify me of the investigation results. I also sent in a letter asking for the steps they took to verify the accounts and they failed to respond. I feel like im being taking advantage of and this is severely ruining my life because these accounts are inaccurate nor do they belong to. I need all of these accounts removed immediately
Product: Vehicle loan or lease

The Toyota motor credit settlement administrator is discriminating against actual victims! I submitted my eligibility form to be included in the settlement and was told I do not meet the eligibility criteria. In order to be eligible for the settlement I or at least one co-buyer on the account, must be XXXX-American, XXXX, XXXX, XXXX XXXX, or other XXXX XXXX ; AND You must have purchased a vehicle between XX/XX/XXXX, and XX/XX/XXXX, that was financed by Toyota Motor Credit Corporation. 
I am a XXXX woman who financed my second vehicle through Toyota motor credit in XXXX of XXXX at a 21 % interest rate so Im totally confused as to how Im ineligible. Its so hard to believe this disgusting treatment is still going on in XXXX all because of the color of my skin. Please help me get some justice from Toyota Motor credit and or the tmcc settlement administrator.
Product: Money transfer, virtual currency, or money service

I bought 3 money orders of XXXX XXXX  each and when I made a payment, they called me that they did not have funds, Sigue transfer money
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries on my credit reports are inaccurate alo i have no knowledge of these inquiries placed on my credit reports thiet not mines and i writing you to help get this resolved these inquiries were done without my permission or my consent that i have no knowledge of.
Product: Mortgage

Im in the process of refinancing my loan. 
My current loan is with Franklin American Mortgage. Due to the government shutdown early this year my loan was placed in forbearance however I was never late on any payment and my loan was always kept in good standing. During the refinance process the under writer requested a letter from Franklin mortgage stating my loan is out of forbearance, in good standing and that Franklin would remove the forbearance issue from my credit report. Franklin agreed to sent a letter to the under writer in 24 hours on XX/XX/XXXX today is XX/XX/XXXX and there is no letter. 
My credit report continues to be affected and so is the refinance process
Product: Credit reporting or other personal consumer reports

I tried to remove a fraudulent name off my report. I already sent Equifax my state ID and proof of address with recent prior disputes. The name is XXXX XXXX XXXX that needs to be deleted. My deceased mother put alot on my credit since I was a child and apparently continued far into my adulthood. This name should not be tied to any accounts, why was it not removed when I disputed it on your website? I need this name removed immediately, it makes me look like I'm into suspicious or fraudulent activity. Thank you.
Product: Credit card or prepaid card

On XX/XX/2022 my Avant credit card was either lost or stolen. Someone used it to make various purchased up to the maximum limit of the credit card. On XX/XX/2022 I realized the charges had been made and noticed the card was no longer in my possession. I reported the card lost or stolen to the Avant credit card at XXXX. Several days later I received a letter informing me that there was a case number assigned ( XXXX ) and asking me to call the investigator name " XXXX '' at XXXX XXXX. 

Calling XXXX XXXX reaches a voice mail asking to leave name, claim number, and call back number with a promise that the call will be returned in 24 hours. Similarly, calling XXXX and trying to go through an operator results in the same message and promise, except there is no name attached to it -- only " Fraud ''. 

Each day for XXXX consecutive business days, I called and left messages, and there was never anyone who returned a call. 

Eventually, I began to also call the original number where I had reported the card lost/stolen ( XXXX ). There I was informed that " XXXX '' had closed the investigation with the conclusion that the charges are valid. 

Now, with my latest statement, Avant is insisting that I pay the $ XXXX in fraudulent charges under threat of penalty and credit reprisal.
Product: Credit reporting or other personal consumer reports

I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation