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

I'm a 100 % XXXX XXXX  and victim of a natural disaster. Despite numerous requests Gm financial refuses to correct late reporting sent to the credit bureaus during an extension period. Further it has incorrectly marked me XXXX days late for months I wasn't because of delays in their system which is no fault of mine. If this isn't resolved with XXXX reversal of late reporting my attorney will be initiating civil litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving numerous calls, emails, and mail from Equifax stating I was apart of some type Breach and to inquire on settlement options I checked my credit report. Upon checking I noticed several inaccurate unauthorized inquiries. I immediately reached out and disputed. Each dispute has quickly been closed and since, more randomized inquiries have appeared prompting me to pay hundreds of dollars on a personal protective system. It has also caused severe paranoia, prompting me to check my credit several times a day rather than a couple times a month. My other reports are secure, accurate and never been hacked or exploited. During each call I am offered no true assistance or resolve. I keep a very detailed personal record of the XXXX XXXX and accounts I apply for and know without a doubt I did not authorize the activity. They have completely dropped the ball to ensure safety and accuracy of my report and have caused decrease in score and hiked rates. * 2 from XXXX, 1 from XXXX, XXXX
Product: Mortgage

I still have not received a copy of the loan for the loan number you are requesting me to pay. The original loan number has been dissolved. I have attached the title report in addition to the original loan copy. I need to see a signed loan for the loan number Mr. Cooper is collecting for. It is not the loan I signed. What property address is the new loan number Mr Cooper is collecting on? I requested this 4 times. Just send me the purported new loan documents for me to review to send to the IRS. The IRS has no record except for the dissolution of the original loan.
Product: Money transfer, virtual currency, or money service

PayPal erroneously changed my personal account to Business in XX/XX/2022 and proceeded to charge me transactions fees for " Goods/Services '' despite the transactions being between " Friends and Family ''. I approached them twice and they give XXXX  reasons that they can't refund fees that their system created. Its about a {$100.00} which is a lot to me ... See the history of transactions and the online chat I had with them for the 2nd time.
Product: Debt collection

This complaint is in regards to Credit Collections USA Account Number XXXX for {$30.00}, Acct Number XXXX for {$30.00}, and Account Number XXXX for {$280.00}. These are medical bills stemming from a car accident I was in sometime in XX/XX/2008 I believe it was where I was not at fault, at all. I received XXXX and XXXX therapy at XXXX XXXX - a facility in XXXX, OH and consultation with an alternative medicine practitioner in WV. All of the previous bills for this treatment were sent to the at fault party 's insurance company from that car accident who agreed to pay these bills and did pay all the previous bills resulting from this accident. I wasn't at fault in that wreck, I never agreed in writing or verbally to pay these bills nor ever did pay any bills stemming from this wreck and I'm not going to start now. I originally intended to include these medical bills in a bankruptcy I'd planned to file but upon learning that the major debt I had needed to file on was no longer held against me due to the statute of limitations I no longer need to file for bankruptcy and would like these medical bills removed from my credit immediately. If not immediately removed my next step will be to take legal action against the collection agencies for the harm they are now causing my credit. They need to go and bill the insurance company that paid all the other bills and get off the working man 's back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.
Product: Debt collection

ERC collections (  XXXX  ) has been calling me multiple times a day for months. If I answer it goes to an automated system that tells me to press numbers for making a payment, removing my number from the list, or speaking to a representative. Not once does it state what the debt is or who they are trying to contact.     For a while, I would select the option to remove my number from the list, but they would continue to call. I few times I decided to speak to a representative. Each time they would tell me that they do n't see my name or phone number   in their system. They would tell me they do n't know why I 'm getting called and would say they ca n't remove me from the list because I 'm not on one.
The calls continued. I got so frustrated by them that I changed my phone number yesterday. Today, less than 24 hours later, ERC managed to call me on my brand new number.
This has to be illegal. I 'm at my   wits end and I need these calls to stop.
Product: Checking or savings account

On XXXX XXXX someone used my card without my permission and added money to an apple wallet - no idea how thishappened Bank of America claim id number XXXX For the amount of {$710.00} I have filed a police report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time. All  XXXX  accounts and history of all  XXXX  statements/bills and proof that all  XXXX  are indeed mine. I am disputing I ever had  XXXX  delinquent accounts.This is not fair reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted disputes to all three credit bureaus in regards to inaccurate account information. The main issue is that the scores provided by XXXX XXXX from the credit bureaus do not match the scores that are provided to the lender. Examples : 1. Two years ago, I traded in my vehicle. XXXX XXXX listed my scores in the range of XXXX to XXXX. The lender 's letter stated my score was under XXXX. Of course higher interest rate. 2. I applied for a mortgage a few months ago. XXXX XXXX reports my score as XXXX. The lender states that my score needs to be at least XXXX to qualify for a mortgage. The lender declines my application because of score ; under XXXX. 3. My current scores per XXXX XXXX are XXXX and XXXX. Approved for credit with 30 % APR with score of XXXX per lender 's letter. I do not understand how this is right.
Product: Debt collection

I received a letter from Linebarger Blair & Sampson, LLP ATTORNEYS AT LAW stating I owed the Oklahoma tax commission the amount of XXXX and they were representing it. I believed it because it was too many attempts and because I did owed Oklahoma before but i thought I had paid off my debt, I tried to contact the law firm but they would just send more letters of time running out before they took legal process. I immediately paid through their website. I never heard from it again. Until this month XXXX XXXX I received another letter, and XXXX XXXX I received another one both with different amounts owed and I realized it was a scam. I just want to know if theres a way I can get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

All previous addresses, names, contact number, employer, listed on file is not mines
Product: Debt collection

Notice for Proof of Claim Account : AMSHER COLLECTION SERV # XXXX To Whom it may concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts arenon-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Debt collection

from XXXX till currently I have been getting wage garnished from titanium funds LLC claiming I owe XXXX $ on a car loan which was sent to collections and when I called they told me the original debtor had filed bankruptcy and I was responsible for the charge stemming from XXXX, I told them I never had brought a car from them and to date they have taking over XXXX $ and I asked for the fraud department but no available. I am so frustrated with this and paying for someone else debt and I explained to them my information was part of a data breach and I've had my i.d stolen while in XXXX  for XXXX XXXX and other XXXX XXXX They don't care. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX failed to address the letter sent by XXXX XXXX, XXXX XXXX, Office of the Chairman, stating that the bank misplaced my documentation for more than six mos. Thus, delaying the closing of the sale on the property and damaging my credit score greatly, denying my ability to obtain credit. 
The matter was not resolved. The money was repaid in full. 
The credit bureau failed to remove derogatory remarks as requested. 
The credit bureaus failed to address the issue and resolve the dispute as it should based on information provided by XXXX XXXX and the consumer. 
I demand that the derogatory remarks be removed no later than XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reporting the following accounts removed which clearly is not true. XXXX XXXX is reporting accounts removed but the accounts are still listed on my XXXX XXXX Transunion and XXXX profile : XXXX XXXX and XXXX XXXXt XXXX XXXX XXXX is fraudulently reporting XXXX XXXX with remarks updated and added. There are no remarks and no updates
Product: Credit card or prepaid card

On XXXX XXXX  2021 I was issued a 5000 Grant from the XXXX XXXX XXXX I had the money deposited into my American Express Serve account it was for my XXXX XXXX XXXX XXXX once the funds were deposited into my account my account was closed out due to what they say is fraud because it came under XXXX XXXX instead of XXXX XXXX I sent them proof of where the funds came from a copy of my identification card saying my middle name is XXXX as well as all the proof they asked for my account has been closed since XXXX XXXX of 2021 and I still have the 5000 in my account that has not been returned to me I have tried numerous times to resolve this problem with no luck
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Never Signed a HIPAA Release Form For This Company Dynamic Recovery solutions HIPAA Laws Protect My Personal Information From Being Used without My Consent and I am aware of these Practices your Doing Clearly HIPAA Violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 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. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
Product: Credit reporting or other personal consumer reports

I have been submitting a disputes for SEVERAL MONTHS NOW against the accounts that these three credit bureaus keep posting in my credit report. I have reason to beleive that these accounts are INACCURATE and UNVERIFIED information but they keep showing up in my credit report. They have not shown any legal evidence or proof of the original contract indicating that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I have asked for legal advice and was informed that what they are doing is against my rights and is not complaint with the FCRA/FDCPA. This has been causing me tremendous stress and XXXX XXXX, not to mention FINANCIAL concerns especially in these times of the post-pandemic. They have not been helpful in resolving and properly investigating this request as I have asked, and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later, and thus, the main reason for me giving them, literally, ONE MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me shed light on them regarding this matter.
Product: Credit card

I attempted to purchase grocery using my Discover Card, and a message on the machine called out 'card unauthorized ', please try using another form of payment. Yes, very embarrassing, especially since that was the only card I brought with me to the store. Before I proactively reached out to Discover Card, I received a letter from them by standard U.S. Postal on XX/XX/XXXX, it was dated, XX/XX/2024, and stated that they have made a business decision to close my account because it is not being used as intended. Interestingly, I receive many advertisements from Discover soliciting other services or products they offer, but have never received a phone call, voice mail, text, email or any other communication regarding any concerns with concerns around how my card is being used. There was no phone # on this letter, so I called their customer service line at XXXX. I was transferred to their Customer Protection Department (? ), the representative said, yes, we've made a business decision to close the account, and could offer nothing else, but perhaps I want to re-apply. I asked for a supervisor, she said there's no one else to speak to but her, there is no supervisor for me to speak with, and again, if I have any questions write to the address on the letter. Why would I reapply for a card that I've already earned the privilege of having, additionally, now that I've lost my job, what legitimate credit card issuer is going to approve me for credit, etc.? She continue to repeat her response, so I thanked her for the time... 

This impromtu closure impacts my credit report and ratings, and presents hardship. Over the years Discover Card has sent me an abundance of junk mail soliciting their many other services and products, but on no occasion initiated a single notice or warning of any kind, through any form of communication regarding a business decision that " they are 'considering " closing my credit card account, and here 's what's needed to prevent that from occurring ''. Clearly, this would have allowed me to adhere to some unknown expectation/s that they felt I did not meet/am not meeting. This type of business extended by Discover Card was unexpected, disappointing, and will cause hardship. It should not have occurred. 

I need other consumers to know of my experience with Discover Card.. Since I've had this card, almost 3 years, I've had only 2 late payments. I'm pondering on if the majority of Discover Card customers impacted with these type of inappropriate and unforeseen business decisions made by the company impact predominately minorities or others from marginalized groups struggling to survive and provide, many of whom have still somehow managed to maintain a decent credit score.
Product: Debt collection

XXXX ( Professional Recovery XXXX ) calls my cell phone approximately two dozen times, if not more, monthly. When I answer the call, they ask to speak to " XXXX XXXX ''. I ask " Why? '' I will not bore you with the rest of the verbal sparring, but I always tell the person calling that their company is harassing me and is in violation of Federal laws and regulations governing their actions and practices. I close with, " Do not call me again, '' and hang up. ( I also have informed them, repeatedly, that they are legally time-barred from contacting me and/or pursuing any sort of collection efforts. ) They had not tried to contact me in about two weeks until last week. I recall that there were 3-4 attempted calls during that week and there have been 4-5 this week, including today. In most recent cases, I have blocked their phone number after disconnecting their call. 

I can not document all their calls except that I believe I could access the dates and times of these incessant calls from my call history from my provider and provide a list of all their phone numbers that I have blocked, to date. 

IF, there is any unpaid debt, utility bill, etc., in my past, these are long gone. I monitor my credit regularly. I only have credit today because I was patient and waited to begin rebuilding my credit history after a lengthy period of time had passed to allow entries such as collection accounts, etc., " fall off '' my credit history. 

If you look at my credit reports today, all you will see is that credit card payments and installment loan payments are " paid as agreed '' and that, in trying to reestablished my credit worthiness - no collections, no tax liens, no judgements, of any kind. 

I have no idea what supposed debt they are illegally attempting to coerce me to settle and do not care what their tenuous position is. When they ask if " Is XXXX XXXX available? '' I ask. " From what company are you calling? '' and " Why do you want to speak to that person at this number? '' They do identify the company, but they will not give me any further information as to the reasons for their annoying, illegal harassment of me unless I confirm - by stating the information - in response to questions such as, " What are the last 4 digits of your Social Security number? '' Or, " What is your address and phone number? '' I lived in XXXX, TX, from late XXXX XXXX to mid-Jul XXXX and in XXXX XXXX, LA, from mid-Jul XXXX to early XXXX XXXX. I have lived in XXXX XXXX, HI ( on the Big Island ) from Father 's Day, XX/XX/XXXX XXXX until now. I have lived at my first address since mid-Nov XXXX until now, about XXXX years at the same residence. 

Please contact me if you have any questions about this narrative. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following accounts. Block and remove them.
Product: Debt collection

AMERICOLLECT - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

AMOUNTS : {$990.00} and {$590.00} DETAILS : I have been XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and have maintained full active health insurance coverage for my dependent and I without any gaps. This location requires you to provide your ID and insurance information at EACH visit. These charges happened in XXXX when I had full insurance I provided. They never processed it. I have never seen it on ANY of my claims but it magically appeared as a debt collection?

I checked my claims for those years and they were never submitted despite me providing them numerous times with my insurance. They pick when and when not to bill and occasionally visits that I did have doesnt even pop in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today, XX/XX/XXXX I received a letter from Equifx dated XX/XX/XXXX advising me that they will not be conducting further investigations into my dispute for Bankruptcy, Case or ID # XXXX AND Bankruptcy, Case or ID # XXXX that are reporting under my name has been verified as accurate. as it previously has been verified as accurate. On XX/XX/XXXX I sent a letter to Equifax in response to the letter I received earlier in XXXX indicating the bankruptcies had been verified, requesting that Equifax provide the description of the procedure used to determine the accuracy and completeness of the verification method within fifteen ( 15 ) days of the completion of the re-investigation ( ie, he name, address, and telephone number of each person contacted regarding this alleged account ) As well, I asked that Equifax not use any automated response or e-oscar verification methods with the re-investigation of the alleged accounts. 

Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 

I also advised Equifax that I was requesting the removal of the XXXX alleged bankruptcies due to Civil Case No. XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, v. Equifax XXXX XXXX XXXX XXXX. As well, I advised Equifax that if they did not comply with my requests for an accurate investigation, I would proceed to file a complaint with the Consumer Financial Protection Bureau and then the Attorney Generals office if needed, due to their non-compliance. In addition, Equifax was notified that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX ), they may be liable for their willful non-compliance in an accurate re-investigation, that does not entail the use of e-oscar or any other automated verification method or response.