23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted ICS Collection Service twice about a debt on my credit report for {$330.00} for XXXX   bills that did not match with the dates that I was in the hospital. The bills was for XXXX, which was the date that I was released from the hospital. To get this removed from my credit report and to handle this with the hospital I paid the bill by credit card. I was informed by the ICS representative, after the payment is received ICS Collection Service will contact the consumer reporting agencies on the same day to inform the agencies to remove the debt from my report because the debt was paid in full and will send me a paid letter. 

Three days later, I contacted XXXX to verify why the debt was not taken off my report. XXXX representative informed me they had not received any notification of request from ICS Collection Service. There is no message from ICS in their system pending. It was explained, when the collection agency inform them, they remove the information from the report on the same day. 

On Friday, XX/XX/XXXX, I called ICS Collection Services to verify why they did not inform the Consumer Credit agencies, I was told they did. It take the credit agencies 30 -  45 days to remove debts owed from the reports. I explained this was not true. Then XXXX stated he do not know how to call the credit agencies, he just put it in the system. 

This is unfair to me and any other consumer, if we paid the debt it should be removed when the monies are received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like these accounts are adversely costing me thousands of dollars a year due to high interest payments. This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recognize any of these accounts. I need this problem fixed asap I will not wait another 50 days for no response because clearly yall ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been 60 days so they should be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Product: Debt collection

My husband and I returned our leased XXXX XXXX to XXXX XXXX after making EVERYsingle motnthly payment on time for three full years. Two days after we left the car at the XXXX, Maine dealership, we were called and told that we owed Ally Financial {$190.00} to repair a 2 '' scratch on the rear panel of the car. We were surprised when they told us to leave the car on the side of the building because they were busy, and that no paperwork was needed to drop it off, so we actually took some pictures of the car before we left. When they called us, we disputed that there was a 'scratch ' on the car and told them we had photos to prove it. They said they had to repair the scratch and we owed them {$190.00}! We had two or three phone conversations with Ally and told them we wanted to see pictures of the scratch, pictures of the repair, and the repair bill proving that they actually did anything to the car. They said they had already removed the car from the lot and they did n't have anything to give us ; i.e, "  just pay it. '' We told them we would not pay it until they showed us proof that what they were claiming was true. The phone calls stopped and we assumed they did the right thing and dropped their bogus sham. We learned a month ago that they reported it to the credit burea. How can they just report bogus information without even providing us proof that the charge was valid? Because they know it was not. This is abhorrently wrong ; there was no damage and we have photos to prove it. Let 's see them prove their case! Please have this ridiculously nasty attempt at extortion removed from our credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.
Product: Credit reporting or other personal consumer reports

These account listed in the affidavit attached are fraud and shall be removed and blocked within 4 days of this notification.
Product: Checking or savings account

Fraud on checking account ending in # XXXX. Two checks one {$24.00} the other {$360.00}. 
Those companies are unknown to me. USBank ordered me to close the checking # XXXX and debit card # XXXX. Was told to open a new checking and new debit card or leave USBank. Completed per their directive under duress new account # XXXX and debit card # XXXX. I am severely XXXX 8 XXXX  with XXXX  and XXXX  in my body. XXXX XXXX XXXX. Legally XXXX. Instructed to change Social Security deposit, small pension deposit, any automatic payments from creditors. I spent endless hours on the phone with fraud hotline with their staff unable to find my claim. I got a ride to the branch and filed affidavits of fraud on checking # XXXX and debit card # XXXX. The branch manager XXXX removed my son from joint checking because he was not their to sign a card, yet he was on the checking for many years with me to help pay emergency bills during hospital stays. Now he can not do that put down as only a beneficiary and crudely told you have to die. My son is XXXX in XXXX risking his life and not there to sign a card. BUT THE 800 ONLINE TOLD ME THEY COULD OPEN A JOINT CHECKING AND PUT HIM ON THERE AND MAIL NEW CHECKS WITHOUT SIGNATURE CARD. Then recently more fraud shortly after receiving a new checking account ending in # XXXX and debit # XXXX. Somehow someone got a hold of my debit # XXXX and charged {$100.00} and {$50.00} two different charges through XXXX, N, Y. I had to pay for a ride to transport me to the USBank. I was issued a new debit card # XXXX. 
This card does not allow me to pay my bills due to a small allocation of funds despite my transfer from savings exceeding the USBanks limit. The USBank told me they need to hold my funds because it was better for me to receive interest on savings rather than spend my funds on BILLS! I have been forced to make calls to the branch and fraud hotline daily spending 3 to 4 hours a day. MY HEALTH HAS BEEN AGGRAVATED AND EXACERBATED and my doctor is recommending i be hospitalized as my XXXX levels are between XXXX and XXXX for a XXXX XXXX   with XXXX XXXX. USBank conned me into staying with them under the guise of hidden false benefit much like a haggling huckster. XXXX the Branch Manager with other employees except one shows much laziness and incompetence of which my son and I have paid the price.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called into Equifax at XXXX ( XXXXXXXX XXXX  ) Spoke with supervisor " XXXX '' who informed me that when calling in there was still no update on the dispute submitted, however she would be able to handle my request for an update at that time. She placed me on hold to review the documents I mailed in, and when returning she informed me, she would be having the account removed based on the documentation I submitted over, and it would take XXXX hours to show on my credit profile. On XX/XX/XXXX I called in to request an update and was informed by supervisor " XXXX '' at XXXX ( XXXXXXXX XXXXXXXX ) that I was wrongly informed and there would be no honoring of the removal the previous supervisor had informed me would occur. I was then told that the dispute was closed out the same day XX/XX/XXXX with the account being verified as accurate. I requested a investigation of the call that was taken on XX/XX/XXXX so someone higher up could listen and honor what I was told, she provided me a complaint number ( # XXXX ) and I also requested she send the supervisor a message so that she is aware of what has occurred and can correct the error on Equifax side promptly. At XXXX XXXX XXXX she sent over a message to XXXX but could not transfer me to her at that time because she was unavailable. This collection account being removed earlier this year by XXXX, EQUIFAX, AND XXXX proved this should have never been on my credit initially. Now only EQUIFAX is the only company who is allowing this collection to be placed back onto my credit as double jeopardy for a lower amount when the facts were proven is illegal. [ The documents attached show a previous statement that was pursued and was ultimately removed from my credit, a screenshot of when the collection company contacted me in XXXX with the balance as shown, a revised statement that is falsely being pursued- the original creditor was not responsive when I contacted them along with when the collection company contacted them - the collection company falsely revised the statement for their own personal gain, a recording of the collection company is also attached and clearly confirms what I have indicated above. )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$17000.00}, US DEPT ED XXXX XXXX XXXX {$9100.00}
Product: Debt collection

On XX/XX/2019 PACIFIC CREDIT EXCHANG added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA PACIFIC CREDIT EXCHANG has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on 3 different occassions and they have responded to verify and not sent me the proper document to show that im the owner of those account .... I have received nothing to show the the account have been properly verified ... ..
Product: Credit reporting or other personal consumer reports

Recently I saw a Late Payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. XXXX
Product: Debt collection

In XX/XX/2023 I reviewed a copy of my credit report and noticed an account from this company that i do not recognize. They are alleging i owe them money but yet have not provided me with any type of proof that this debt actually belongs to me, there is absolutely no contract between me and this company. In addition they are reporting to my consumer report without my authorization, and this erroneous account is affecting my credit worthiness and ability to obtain a home loan. I am devastated because I need to be able to purchase a home so that my ill elderly mother can move in with me, I am the only person she has left. This company has not proven this debt belongs to me which is a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They are defaming my character and violating 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. You are harming my reputation with the alleged debt. Also 15 U.S. Code 1692j - Furnishing certain deceptive forms. Because of these violation i reserve the right to pursue legal action as outlined in 15 U.S. Code 1692k - Civil liability. I do not recognize this account and believe this to be an error, this company needs to remove from my credit report or provide me with proper validation as outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Debt collection

I have tried to have them send me information about my owed debt with a break down. They told me that there was no way of sending this information ( XX/XX/22 ). They didn't disclose that they were placing interest on my owed debt or explain anything about my owed debt. They claim that the provider is the one that is placing interest on my owed debt. I have talked to the provider that I owe the debt to, and they told me they do not put any interest on my debt. They also, will not send you confirmation when stopping auto payments or any other information you ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit report and saw many accounts that seem to be medical bills showing. I believe someone has been using my name or personal info to get certain things. This is fraud and I want to get to bottom of this because it is hurting my financial situation tremendously.
Product: Credit card

invoices arrive the day before the due date. I pay the invoices the day they arrive in the mail. My account is charged a {$75.00} Late because payment is n't received on time. Because its impossible to meet the terms of the card. There is no doubt in my mind they delay sending my invoices to intentionally collect the late fees. This card is a scam. 
I tried paying my latest invoice over the internet but surprisingly the feature on the account never works. This card is a scam and this company is making an exorbitant amount of money on late fees that cant be helped by the consumer. I want all my records deleted from their company and will seek damages.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX- DATE OPENED XX/XX/XXXX Account Name :XX/XX/XXXXXXXX XXXX - DATE OPENED XX/XX/XXXX Account Name :XX/XX/XXXXXXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : DEPTEDXX/XX/XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : DEPTEDXX/XX/XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : DEPTEDXX/XX/XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXX XX/XX/XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXXXX/XX/XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXXXX/XX/XXXX XXXX -- DATE OPENED XX/XX/XXXX Account Name : XXXXXX/XX/XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX DATE OPENED XXXX/XXXX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXXXXXX DATE OPENED XX/XX/XXXX
Product: Debt collection

XXXX Moved into a home in XXXX AZ The home had to many issues paid {$4000.00} to move in told them we were not happy and found a new teamster to rent the place for them to terminate our lease they signed a new lease with a new tenant and said the would refund our deposit and months later did not than said they were keeping it because of a early lease termination fee. Years later they reported that I owed {$3500.00} for repairs to the house rent unpaid? And late fees? We were in the home for two weeks? And it was rented. We found out a new management company XXXX XXXX XXXX  took over the account and reported false information to there scam partners us collection west and they put a collection on all three of my Credit bureaus I was able to remove it from all three bureaus and XXXX and then it showed up again in XXXX during Covid and I still owed because I moved I no longer have all the supporting documents and Ive been trying to work with you as collection last but I found out they are partners with XXXX XXXX XXXX theres no number they will give me to talk to XXXX for proof they gave me an itemize list of false charges that were owed and have threatened me multiple times that they will just keep reselling the debt until I pay. And keep adding collection fees and interest. I am a retired XXXX XXXX Vet. And they know I am trying to buy a house and think they can strong arm me to pay this false debt. 

I have even offered money out of desperation {$1000.00} to remove this 5-6 year old debt collection that is not owed. 

They agreed to XXXX than changed that to {$4300.00} than called and said XXXX and now {$3000.00} ..they are a private owned collection company I spoke to XXXX he threatened me and lied and said he is friends with the owner and said he just called him and will take {$3000.00} but will not give me the number so I can despite the false debt directly with the alleged creditors, I have XXXX  and searched for XXXX XXXX XXXX in Arizona and around the country none exists? That would have properties in Arizona!! 

This is the true to the best of my Knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus XX/XX/XXXX to have XXXX XXXX removed from my credit report due to me not having a contract. XXXX removed this creditor from my credit report XX/XX/XXXX. However XXXX XXXX is showing up on Experian and XXXX. I have disputed this with a 2nd letter to Experian and XXXX on XX/XX/XXXX because I did not here back from them the reason it was on my credit report. After that I hired XXXX XXXX XXXX to correct this and XXXX and Experian still did not furnish me with a original contract proving that this account was mine as requested or deleting this from my credit report. I disputed this with CFPB XX/XX/XXXX and I looked up my results and spoke with the representative who advised me that they recieved a response back from XXXX XXXX stating that had no record of me which is not true. I provided a screen shot of my credit report stating that this was their name on my XXXX and experian credit report. Since this company is denying that they are not the company that is reporting Im asking Experian and XXXX to delete this company from my credit report or furnish the orignal contract from this agency, which they have yet to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking Experian to remove inaccurate addresses, telephone numbers, names and ss # that 's Reporting on my credit report..I am a of identity theft already and these fraudulent & outdated addresses, along with 2 social security numbers that are not mine, unknown numbers exposes me to become another victim ..I 've sent it verification of my ture social security number and address why would they not remove this ..Tonight I received a new Address about a address I do n't live at and never did .. By law Experian is supposed to only report true and accurate information this is a violation of my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

The offender is XXXX XXXX XXXX for a lease I held between XX/XX/XXXX to XX/XX/XXXX. 
They incorrectly reported several late payments up to 120 days which caused me to be denied a new lease. This information was provided to me by the XXXX dealer! All of the payments were made on time and my messages to XXXX were ignored or deflected to deal directly with the credit bureaus! This fraudulent reporting has caused an immediate family loss of {$3600.00}.
Product: Debt collection

On XX/XX/23 at approximately XXXXXXXX XXXX  from XXXX XXXX XXXX  opened a locked gate and proceeded to open a shut garage and drag our vehicle out. My wallet as well and important personal items were also in the vehicle. We have tried to contact the company to get our belongings and they wont respond. We filed a police report as well as have video evidence. Our lawyer will be contacting on Monday to sue this company for criminal trespassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  XXXX XXXX Original creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not find the proper issue Im having. During the 2020 year of pandemic, I put all my cards to minimum pay because of all the uncertainty happening. Mind you Ive never missed a payment, or was I late with payment. My score went from almost XXXX to XXXX. This made it impossible for me and my young family to get into a house this year. I recently payed my dept off and my score is the same. But XXXX forbid you miss a payment, they will drop it by 50 points. I got turned down for a car and a house that me and my family are in need of. Can we please get an explanation of why the credit companies were even allowed to mess with your credit during the pandemic year??? I have XXXX small kids that need a home and Im not given a shot to buy a home because of rotten and greedy credit companies.
Product: Credit reporting or other personal consumer reports

My student loan in the amount of XXXX came off and my score didnt even budge! it's stagnant wont pass XXXX at all I dont know how or what else to do to bring it up this is a total farce and needs to be investigated because when my bills were current and up to date the score stayed the same and it's unacceptable! its a complete run around and when you ask questions you dont get a serious answer what's the purpose of a credit report it serves no purpose at all
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX