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

XXXX, Experian, and XXXX is continuing to report 2 allege collections that they claim have been verified as belonging to me but they failed to provide any evidence to support their claims. I have repeatedly asked with whom they spoke with or provide the documentation so that I may contact this person or follow up with them about the documentation because I have received no notices for me to dispute this information. Furthermore these collections are illegal as I have no contractual obligation to these companies and they have not received any court orders that compels me to pay these collections.
Product: Payday loan, title loan, personal loan, or advance loan

Description of complaint : On XX/XX/year> Ascend Loans correctly charged me for my bi-weekly payment, then a few days charged me AGAIN for the same amount. When I spoke with XXXX, she said I was only charged on XX/XX/year>. Please the attached the another payment was charged. Please return that extra payment IMMEDIATELY. Thank you. 

Desired settlement : Refund Money paid to business : {$120.00}
Product: Credit card

I called due to losing my Macy 's American Express Credit Card. I could not find my husband 's card. I am the authorized user he is the account owner. This card is being reported on my credit. I am not sure what the rep put in the notes but now it is marked for fraud. I only told the rep I lost my card and could not find my husband 's at the time. Now they wo n't even allow me to make a payment on the card. This caused the card to be late. They demanded that I pay the current balance which is not due until XX/XX/2016 and the past due ( stating that it was all due now ). Then is still going to charge a late fee when all I have been trying to do is make a payment. I had to get a supervisor just to let me make a payment. I work nights and not able to get my husband on the phone to say it is okay for me to make a payment. I just wanted to make a payment to avoid late fees and credit marks. Now I have a late fee and possibly a credit mark. Once again because even though I am only the authorized user this card is on my credit too.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX an account was opened for {$3100.00} by someone other than myself using my information. Payments were made, not by me, for a few months XXXX and XXXX of XXXX. Then, it was put to collections XX/XX/XXXX and charged off XX/XX/XXXX. I received XXXX notifications via email or regular mail, not me, that this was happening. I went to get a loan for a motorcycle on XX/XX/XXXX and was denied due to a ding on my credit. Once I looked into it I saw that XXXX XXXX was the Creditor and I called them on XX/XX/XXXX. They told me that it was a XXXX  year lease on a king size bunkbed and that I stopped paying for it so it is now off at collections for the amount of {$3200.00}. They told me that it was associated with an email of XXXX, not my email address. My wife called on XX/XX/XXXX and she talked to a man named XXXX and she was able to find out that my name was not associated with the account but that the last XXXX numbers of the phone number were XXXX, which is a fraudlent phone number on my credit report also. XXXX told us the vendors name for the bunkbed and it was a company, XXXX XXXX in XXXX PA and a phone number. I called the phone number and it was out of service. There is also a fradulent address in XXXX, PA on my credit report. XXXX told my wife that she could pay {$720.00} to close the lease over the phone with a credit card and it would take away this charge off from my report. I did not do this. We contacted the police and have since filed a report.
Product: Credit reporting or other personal consumer reports

XXXX Is sabotaging my credit report, it has been constantly dropping for the last XXXX with no reason at allI have lowered all my debt each month there is no way my credit score should be constantly going down with them, this is ruining my credit. And ALSO I told the Credit companies to REMOVE all information regarding XXXX XXXX from my account because the situation was fraudulent, they refused to close the account when I originally told them too, regardless of what they are telling you, I filed a police report already. if my credit score is not fixed and you continue to ruin it, I will take legal action because you have no valid reason to give me negative credit reporting scores for XXXX month consistently without probable cause or explanation. 

XXXX Also sent me a confirmation letter of deleting the account as well. So I dont know whats going on. all I know is XXXX keep negatively reporting my account with no reason or explanation.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$1200.00} with Jefferson Capital System account number XXXX. I do not have contact with Jefferson Capital System they did not provide me with the original contract as I requested with my wet signature and identification
Product: Student loan

I have requested several times that Campus Partners disclose the status of my account to XXXX ; however, they are not honoring my request. Campus Partners drops the ball on my request and causes significant delays when I fax them paperwork. In essence, my problem is that Campus Partners does not process my requests in a timely manner which causes me damages. Their customer services reps lied to me and gave me incorrect information when I asked them " what I needed to give them in order for XXXX XXXX of Transunion to inquire about my account ''. In addition they are telling me that I have to wait 1 week for them to confirm a time-sensitive fax. Due their incompetence, significant delays and unfair treatment I am unable to accomplish my goal of having XXXX call to get an update on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ACCOUNTS BELOW XXXX  XXXX  XXXX/ XXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX  XXXX XXXX XXXX  account number : XXXX XXXX. XXXX, XXXX account number : XXXX, ALL has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete the accounts
Product: Mortgage

I am a XXXX veteran at the rate of XXXX XXXX, XXXX  XXXX and live in the state of Florida. Loancare, A Service Company, purchased my loan from XXXX XXXX XXXX  in the fall of last year. I submitted my tax exemption paperwork to them on XX/XX/2020. When I submitted the required information ( which was confirmation from our County Tax Assessor stating I was in fact tax exempt on a permanent basis ), and the company ( Loancare ) is still taking the funds and depositing in an escrow account. They will not tell me when they will cease and they refuse to send me the money they have already withheld. I am at wits end ( as I am on a limited income and could sure use that extra XXXX plus dollars a month. I don't know where to turn or what to do.
Product: Payday loan, title loan, or personal loan

Great American Furniture added charges without any explanation when I made payments in advance and on time well in advance of the XXXX prepayment penalty. This is outright fraud and I can provide receipts and screenshots of their Website. They are preying on people and counting that the government wont do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club are currently reporting inaccurate late payments on my credit report ( s ), when they claimed to no longer have my account on XX/XX/XXXX, and that it has been sold to a company by the name XXXX, and i am to begin making payments to XXXX as of XX/XX/XXXX. 
I also filed chapter XXXX bankruptcy on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and Transunion is accused in my case of multiple violations you can see in the attached documentation below. I would like the issues sent in my previous dispute fixed as they have sent in a false claim about a third party company.
Product: Credit reporting or other personal consumer reports

I recently seen some unauthorized inquires on my credit report on XX/XX/XXXX, which I did not sign any paperwork for or have consent I am completely unaware of this matter that took place during XX/XX/XXXX. Also my credit has been involved in a XXXX XXXX XXXX data breach as well as Equifax.
Product: Mortgage

Loan Depo has placed an escrow account on my loan after I refinanced one year later and refused to accept my loan payment claiming that i need to pay not only my normal loan amount but also the escrow fees for property taxes for the next year. When I paid the loan amount they returned the funds to me stating they refuse to accept any partial payments. I have tried repeatedly to work with them but they now have double my monthly payment from {$4700.00} to over {$8800.00} a month in an effort to foreclose and take my home away from me and my family. This predator lending in the US must come to end. People like myself are losing our homes.
Product: Debt collection

The person in the name of XXXX XXXX said he was from XXXX called and advised they are trying to serve me papers at work. Then I asked what for and he refused to give me information about the debt. Then he told me they were going to serve me with papers at work. I told him to stop calling my boss and they said they can call whoever they want. My boss told me she was getting HR involved. I could lose my job over something that is unsubstantiated. Plus, they are giving out my personal information which is in violation of the privacy act. 
Their phone number is XXXX and his name is XXXX XXXX. He is very nasty and threatens me a lot.
Product: Vehicle loan or lease

When initially buying the car, we chose a car with a delivery of the next day ( false advertising ) as this was the main reason we chose this vehicle. When the sale and my down payment went through on the XXXX, the delivery date was then set for a week later ( literally 7 whole days ). The day before the contractual delivery date ( XX/XX/year> ) I was emailed at XXXX that the delivery would be delayed another 2 days. I am a nurse and this means I will have to miss work or further delay the delivery to another day im not working. I planned my work week around this delivery and now with this lack of notice I will miss out on well over {$1000.00} of income. Mind you I have already signed a contract and that contract stated the delivery was the XXXX and now it's being pushed back to the XXXX. The car was paid for on the XXXX, the site stated " get it tomorrow '' and then the delivery date was set for the XXXX. 7 days after I signed the contracts. Then apparently they unilaterally changed my contract to the XXXX. Now that they have broken our contractual agreement they are " requiring '' me to go in and sign a NEW contract.
Product: Checking or savings account

I bank with USAA, the app told me I could deposit cash at a local XXXX XXXX  ATM, on XX/XX/2023 I attempted to deposit {$1700.00}. It came back with an error and attempted to refund my cash. In the process the machine jammed and I only got {$200.00} back. When I called XXXX XXXX  they informed me to file a dispute with USAA since I'm not their customer. I did so and they declined the dispute stating they couldn't get information on the machine due to the fact that it isn't a machine they work with, even though they confirmed the transaction attempt. I've tried all avenues I could find and still haven't gotten my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:49850 Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I've counted over the last 7 days they citibank has called me 24 times in the last 7 days, I'm sure they know the laws but like normal refuse to follow them. I have screen shots of my call log as proof.
Product: Credit reporting or other personal consumer reports

Experian continues to report inaccurate information. I am writing to dispute the accuracy of information thats on my credit report. Accordin to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XXXX XXXX information is still being reported!
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 
ACCOUNTS :XX/XX/XXXXXXXX - XX/XX/XXXX - {$1400.00}XX/XX/XXXXXXXX - XX/XX/XXXX - {$2200.00}XX/XX/XXXX XXXX - XX/XX/XXXX - {$1800.00} XX/XX/XXXXXXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3100.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Current Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I used XXXX XXXX to book accommodations in XXXX XXXX XX/XX/XXXX thru XX/XX/2020. Due to Covid shutdowns in my home state Illinois which began prior to arrival XX/XX/2020 and Louisiana which began XX/XX/2020 I was unable to travel, also this was in accordance with CDC Federal guidelines. Also my cancellation which was made on XX/XX/2020 and I asked for a refund and received an email indicating I would be refunded in full. I used 2 credit cards and did receive full refund on the amount charged on one card, but did not receive a full refund on the second. According to XXXX XXXX policy I am due a full refund. The policy states if booked before XX/XX/XXXX, I booked on XX/XX/XXXX, and travel thru XX/XX/2020, I would receive a refund in full, and the email I received also states the same. I received partial refund of {$59.00} when it should have been {$300.00}. I disputed this with Citibank Visa, who issued a temporary credit, but now have been told by them the refund would only be {$59.00} take it or leave it. I need your help to receive a full refund from them.
Product: Money transfer, virtual currency, or money service

When I first started using the transfer app Zelle with my bank. To send money to family and friends. It never gave a warning saying that if the funds were sent to the wrong person I wouldnt be able to receive a refund or anything for lost funds. Now theyve fixed the problem but its after I lost XXXX of dollars on the error.
Product: Credit card or prepaid card

I have a credit card with Amazon, Synchrony Bank. Starting from XXXX, 2020, Synchrony has continualy not posted the amount of payment that I have sent in. The minimum amount is {$28.00}, I have sent in Five payments of {$50.00} and they continue not to indicate this on their statments. Now if my calculations are correct I have paid them {$250.00} towards what I own the bank. You can not talk to any one about this problem because no one at the place that I make the call understands English. I have repeated ask for help in this regard and have not been able to get any. I want to see every payment that I have made on the statment that they send me. As of now they can not do this so I do not know how much I do own them. When I do get a statement one month I will own {$170.00} and the next month {$220.00}. I want, Like I stated to have a statment that shows how much I have payed, the month that I payed it and the balance. Synchrony Back is earther trying to steal or they are totaly incompetent on how to run a banking system. I want to hear from someone from the bank that speaks English and for them to send me a comlet and accurate statement!!. I am being forced to send in another {$50.00} so I will not any late charge, this is so stupid, I want this Bank instructed to fix their statment system! The last stat ment that I received showed only one {$50.00} Payment. I whant tis fixed ASAP. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account in person at a Chase Bank branch on XXXX. The banker who assisted me is named XXXX XXXX. I advised him the reason i was transitioning to Chase from XXXX was due to their unnecessary transaction holds. 
XXXX was very professional throughout the process and I used XXXX to fund my account from another bank account I own for {$300.00}. 

Today I attempted to move money back to the account it originated from and Chase flagged the transaction and would not allow it. Did I receive a 2FA text message? NOPE. Nothing, no call, no text, nothing. Just " on hold ''. 

I tried again for another amount, nope didn't work. I called Chase directly to inquire about it and received someone who sounded foreign and was very hard to understand, I am assuming that individual has many many issues performing his tasks daily due to the accent issues. He advised me after a 10 min call that there's nothing he can do and the transaction is still on hold. Chase within 24 hours of funding the account has prevented me from accessing my own money without cause, in violation of several federal laws.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate. 

Please see attachments below
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage servicer has denied me access to mortgage payment history for the period XX/XX/XXXX to XX/XX/XXXX. During this time period the servicer changed from XXXX XXXX XXXX To Select Portfolio Servicing. Select Portfolio Servicing ( SPS ) after receiving the loan this company moved immediately to foreclosure. This action was against the California Homeowner Bill of rights that went into effect on XX/XX/XXXX. I would like a resolution that includes the servicer 1. Allowing me the opportunity to apply for a loan modification. 2. Supply me with the complete payment history from XX/XX/XXXX to XX/XX/XXXX when the alleged delinquency took place.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment to be updated.

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 TRANSUNION 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! 


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

I am not aware of this debt nor do I believe I owe this debt. I disputed this with XXXX and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, Transunion, XXXX  I feel that these accounts are adversely affecting my consumers report and costing me a boat load of extra money in interest year after year. This is not a regular dispute as i have already filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX ( XXXX  ) because to my knowledge I do not recall these ALLEGED accounts. I need this problem to be fixed PROMPTLY. I will not wait another fifty or sixty days to receive a no response because clearly this has been an intentional and deliberate attempt to ignore me as the consumer. I demand these accounts be removed and deleted IMMEDIATLY or i will be forced to file for litigation due to this long and drawn out stress that you have caused not only me but has hindered my ability to provide for my family. Section 611 ( a ). It is plainly and clearly stated that a failure to investigate this erroneous items within thirty days gives a legitimate reason to immediately remove those items from my consumers report it has been over 50 days so they should be removed and deleted promptly. I AM THE ONE AND ONLY PERSON WHO WROTE THIS DISPUTE. PLEASE DO NOT RESPOND BACK SAYING ANYTHING OTHERWISE.. THANKS FOR YOUR TIME