23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted XXXX XXXX XXXX XXXX XXXX XXXXXXXX, by phone to cancel my membership in XX/XX/XXXX, as I had moved out of state. My membership was eligible to be cancelled because it was past the XXXX term. I was informed that the only way I could cancel was to come in person to the gym to cancel. This was not reasonable for me and did not make sense to me. They refused to cancel my membership. 

To stop the withdrawal of funds, I blocked them from charging my debit card. 

In XXXX of XXXX, I noticed a new account and a negative remark on my credit report in regards to {$130.00} owed to XXXX XXXX, aka XXXX XXXX. My attorney reached out to resolve the matter, requesting that they cancel the debt and remove this from my credit report immediately on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX, their corporate controller, responded by saying that they could only cancel my membership by receiving a written notice. I provided such notice on XX/XX/XXXX. 

XXXX also said that I would need to reach out to their XXXX location to arrange payment. However, she made no mention of removing the negative, unjust, and harmful information from my credit report.
Product: Debt collection

The bill was never run through my insurance. The company is trying to charge me the full amount. The attached document shows that my insurance was not billed for this. It is just the full amount.
Product: Credit card or prepaid card

I applied for american express platinum card on Tue, XX/XX/XXXX with the offer of getting XXXX points after spending XXXX k in 3 months. At the time of applying I did not get any indication that I am not eligible for this offer. I called american express afterwords a few times and they confirmed that they do see the bonus offer on my account. Subsequently I finished up much more then the required spending and waited to see my bonus. On XX/XX/XXXX I called up american express to inquire about this and was shocked to hear that my welcome offer was denied. I was never communicated about this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian regarding inaccurate or incomplete information on my credit report. Despite my efforts to resolve the issue directly with Experian, the incorrect information remains, which is negatively impacting my credit score and financial standing. I have made multiple attempts to dispute the inaccuracies, including providing supporting documentation, but the issue persists. Specifically late payments and collection accounts listed. 

I believe that Experian has not followed proper procedures for handling my dispute or has failed to correct the information in a timely manner. As a result, my credit report is not an accurate reflection of my financial history, and I am experiencing negative consequences as a result. I am requesting that the CFPB investigate this matter and assist in resolving the issue promptly.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 


XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Incorrect Names | Incorrect Addresses | Incorrect Employment History | Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Incorrect Names | Incorrect Addresses | Incorrect Employment History | Employer - XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL XXXX Employer - XXXX XXXX  Transunion Listed below are the Inquiries that are being challenged INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employer - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma did a horrible job disputing negative charges on my credit report they emailed their report to only 2 of the 3 buros and the two that got it has a half baked report my nice could have done my credit has been XXXX for 9 months extra than k should have paying more than XXXX usd to get it fixed now by XXXX XXXX they found over 60 combined error in my report and not just that ck was suggesting i apply for credit cards to fix my credit and it was affecting it more im very upset the money time and everything this has cost me is crazy ive paid companies to report positive payments tk raise my credit no service or item in return other than to improve credit what is why i signed up flr it wish i never did now its like putting a XXXX in the XXXX were they learn to help people on the back of a XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX 1. ) I was a victim of identity theft. XXXX was notified of the identity theft. XXXX did a full investigation and received all pertinent documents verifying the identity theft, then deleted this account due to identity theft. XXXX then re-listed this account at some point after it was deleted due to identity theft. 

2. ) This account does not belong to me due to identity theft, however this notwithstanding this account deserves to be deleted as it claims a past due amount on an account that was charged off. Records must be absolutely accurate, you can not have a past due balance on a charged off account. 

3. ) Lastly, XXXX failed to note that the account was in dispute 31 days after the initial dispute was filed
Product: Debt collection

I received a notice from paragon revenue group I tried to tell the lady that my brother is in a nursing home the charges are from XXXX XXXX on the XX/XX/18 for XXXX and the other was XX/XX/18 for XXXX I tried to tell her my brothers medicade number for them to file and the social worker told me this all I need to do. The collector cut me short and said that this has over a year and she is not interested in his medicade number to file these charges. My brother XXXX XXXX is medicade retroactive for XX/XX/18 because I had a hearing and got a lawyer to help him prove that the monies in his trust fund was being used by his caregiver. Once I filed a lawsuit against the caregiver then the XXXX in Oklahoma back the coverage from XX/XX/18 to the present. The person from Paragon revenue group refused to take his medicade # so the can file and XXXX will pay them. No she feels the her job is to collect the monies owe be rude and threaten me that she does not care to take the info to file.
Product: Debt collection

FDCPA Violation. 
Calling you or any other person repeatedly with intent to annoy, harass, or abuse you, or any person at that number. Calling you after you have provided your lawyers information. Threatened to sue me without properly following procedures in FDCPA. Calling or contacting you without disclosing that they are debt collectors trying to collect a debt. 

This call came from Comenity Capital Bank for an XXXX Credit Card Account. The XXXX called on the phone number : XXXX.
Product: Credit reporting or other personal consumer reports

Capital One has added wrong information on my credit report as of XX/XX/year>.
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX XXXX MoneyGram transaction for $ to be sent to XXXX XXXX XXXX . Amount was {$75.00} + {$8.00} fee. Reference number : XXXX. NAME WAS CORRECT ON RECEIPT : XXXX XXXX XXXX The following are e-mails from receiver ( XXXX ) : XXXX XXXX : Good morning. I went to the moneygram oficce. And they ask me for the amount and password. I couldnt get it Without. 
XXXX : Money amount is {$75.00}. Use this reference no : XXXX XXXX : Good nigth XXXX . 
I stop by moneygram to see if I can pick up the money. Its already here but my name saids XXXX XXXX and its need to saids XXXX XXXX XXXX. Hope you can fixed. Thank you very much. 
XXXX XXXX : Good nigth XXXX. 
I went to moneygram office to pick up the money. Its alteady in XXXX but my name has a problem. It sais XXXX XXXX and its need to saids. XXXX XXXX XXXX. I couldnt get it until my name be corectly. Thanks again. 
XXXX XXXX : Hi! XXXX How are you. Hope you be ok. 
I went to moneygram office. Money its here. But my name its wrong. Its saids XXXX XXXX. And it sould saids XXXX XXXX XXXX XXXX : Can you fix it please. Otherwise it wont be paid it to me. Sorry for the inconvenience..thank you. 

XXXX : Still im having problem with the money. They said it wont show up this time. Is kind of frustreited ... see if you can fixed. If not dont worrye. Thank you very much. And sorry for all this running on you ... 
XXXX : XXXX XXXX Its me again. Money gram office said you have to change the number refetence. And fix the way they wrote my name Otherwise I cant cashed. Hope you can do it. Thanks. I spend like XXXX dolls. On gas I went to a diferent money gram office. 
XXXX : ( me sending response ) What a XXXX disgrace. Anyway, Moneygram changed the name to read : XXXX XXXX XXXX. The reference number is o.k. : XXXX. If this is not successful, get me the phone number - full number with country code, etc. of the agent you are dealing with so I can try to have MoneyGram call them. Feel bad you have spent so much $ on gas. I am going to call Money Gram in Minnesota to complain. 

XXXX : Thats my phone number. I will stop at moneygram today and see if I can have the money. They open at XXXX I will sen you a email soon as I have an answer. Thank you. 
XXXX : ( me sending response text ) if they hassle you, tell them they are supposed to call their office and confirm the transaction. 
XXXX : Good afternoon XXXX . finaly I recive the money. Thank you very much and sorry for all this running.. it was hard for you. Thanks for XXXX money. Wish you the best and XXXX bless you ... we are on touch.
Product: Debt collection

I did n't really know what to put this under. But the collection agency sent me the financial aid application for XXXX and I 've filled it out and took it up to the hospital however they refused to take it because it has been well over the time frame for submission. However it is the hospitals fault that the application was not submitted in time because of their initial refusal to assist me with my 1st request
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To XXXX XXXX Transunion : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Debt collection

Recently received a debt collection from XXXX, XXXX XXXX XXXXXXXX XXXX XXXX   concerning a Discover Bank debt This debt does not belong to me & likely the result of ID Theft. I contacted the law firm that represents our family and was informed to : File an ID Theft complaint through the FTC ; I have ( see attached ) Place a security Alert : Which I have through XXXX Request a copy of my current credit report : I have and currently waiting for it. 
Take meticulous notes & Create a file To make sure all communications are written via email, letters etc ... 
Request full disclosure of this debt which may help myself and/or law enforcement Therefore, I am formally disputing this debt as mine and requesting any and all information including the original application, recordings, emails, notes, anything else connected to this alleged debt. from Discover bank * A copy of all attachments has also been mailed out
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX 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 Balance : {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In XX/XX/2020, after holding this account for 7+ years, I found myself suddenly unable to make online purchases at ANY of the Dicks family of stores, or using the app. ( Dicks.com, XXXX & XXXX, and XXXX ) After multiple calls with Dicks, and Synchrony Bank customer service, I was told that the Mastercard branded cards don't actually work online ( This is after me making online purchases for the entirety of the life of owning this account ). I told them that not only is that not true, but that the Cardholder Agreement even states clearly, under Use of Your Acct : " You may use your account for Purchases from XXXX, XXXX XXXX XXXX, and XXXX XXXX Locations, including these brands In-store kiosks, OR online sites and from ANY merchant that accepts Mastercard ''. I believe that it is an Unfair and Deceptive Act/Practice. Only after not accepting the original information was I connected to someone at Synchrony that stated that a technical issues is what is causing a population of customers to no longer be able to use the cards online. They have not communicated any of this in any way, and could provide no indication on what the specific issue was, or when it may be resolved. I actually run a Credit Card program at a Large XXXX XXXX, and can not believe that this issue has been out there for at least 2 months without communication or resolution. Additionally the fact that you have customer service representatives telling customers that the card is unable to be used online is both a contradiction to the Cardholder Agreement, and to the issuer 's contract with Mastercard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am asking you all to help XXXX with these accounts on my credit that are not mine. This is my second time reaching regarding this. Now some of the accounts did come off but there is still 2 accounts on there XXXX/XXXX and XXXX XXXX  XXXX . There are also several inquiries on there that I know nothing about XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, 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 , US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX. I'm also confused also on why there is a bankruptcy on my credit. I called the XXXX XXXX XXXX XXXX XXXX Court and they said they was not able to locate a bankruptcy with my social. They also stated that there is not way it should be on my credit because there is not one. She told be to call some place called XXXX XXXX and they also said the same thing that they were not able to locate a bankuptcy with my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts areXX/XX/XXXX I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX
Product: Debt collection

Navient continues to contact my father regarding a private student loan that was taken out in 1997. He has made payments on this loan however t It seems that the principal has never gone day and continued interest is piling up. They call constantly up 7 times a day on robo calls. I had changed the contact information since I place them in debt payment plan with XXXX XXXX XXXX. I asked them to stop calling my father since he is a senior and it has become hard financially. They continue to call and report negatively on our credit reports. They have become a nusance. I also asked if I could do a financial hardship and they denied it. The calls just keep coming in and my father has XXXX and the situation has gotten worse. Navient has the worst collection methods.
Product: Credit reporting or other personal consumer reports

The inquiries on my credit reports are false and must've been exposed in a data breach.
Product: Checking or savings account

Deposited a check at Truist Bank in the amount of {$25000.00} issued by XXXX XXXX thru ATM. Deposit was flagged and sent to Fraud Department for review on XX/XX/22. Contacted the bank on XX/XX/22 inquiring on why we were not able to access our personal funds and was told that the account was frozen until a Fraud investigator could review the account. XX/XX/22 went into local branch office to try and resolve the issue was given number to call the fraud department. Contacted fraud department and was told that the check deposited was under investigation could take up to 7-10 for our personal funds to be released. Branch manager called on XX/XX/22 stated she spoke to the Fraud Department and was informed they were closing the account and we would no longer be able to do business with Truist Bank. Contacted Fraud Department on XX/XX/22 asking when we would have access to our personal funds was told that this was still be investigated and they would contact me within XXXX hours with an update. We have not had access to our personal funds since XX/XX/22 this has caused a major hardship as we have over {$8000.00} of our own money in that account. We do not believe it is legal to hold someone's personal money and would like to have them investigated for such inappropriate action. We have had our account for approximately 35 years starting with XXXX XXXX merged with BB & T merged with Truist Bank. This has got to be one of the worst banks anyone has ever had to deal with from waiting on line for over 2 hours to speak with customer service rep to final getting a representative who lacks the knowledge to do the job and answer the consumers questions. The only response they give is we understand without resolving the issue. This bank should be put out of business by the government.