23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX filed an identity theft report on with the Federal Trade Commission. My cell phone, bank accounts, credit card accounts, XXXX account, email accounts were all compromised. You can ask my credit card lender XXXX bank. Ask XXXX for charges on my account from California. All 3 Credit Agencys had my name wrong. I have sent birth certificate, marriage license, pass port. Yet till this day XXXX will not correct my name. a collection for a XXXX on my account from XXXX on my account saying I owe them {$23000.00} A XXXX XXXX XXXX bill for a doctor from the emergency room. XX/XX/XXXX. The patient admitted to the hospital that day under my social security number was born XX/XX/XXXX All 3 credit Agencys would deny me access to my file. 
XX/XX/XXXXI was denied information from XXXX on a email address they had on file that was not mine. I never had another email withXX/XX/XXXX other then my current one. 
I have credit applications for the same company days, weeks apart. Really losing hope
Product: Mortgage

On XX/XX/XXXX we paid our mortgage loan in full with Associated Bank. Since then, we have received several pieces of correspondence in the mail confirming this, as well as a letter confirming the amount that had been escrowed for insurance and taxes which we would receive via check. Since over a month had passed and we had not yet received the check and taxes are due at the end of the month, I called their customer service on XX/XX/XXXX. The representative said that a check had been issued, though he was not clear on the date, he provided two different dates. Concerning, since we had received all mailed correspondence up to this point. Even though we have had no issues with our mail, I provided our new mailing address and he indicated the check would be reissued. Still having not received the check yet today, XX/XX/XXXX, I called again with concern for having the funds to pay our taxes on time. This time the representative informed me that we needed to sign a stop payment affidavit in order to have the check reissued. Trying to do what I could to resolve this issue, I got in my car and drove to the local branch only to find it closed. I called back again, and was then notified that only in-grocery-store branches were open today, none being within 40 miles of us. I then asked to speak with a manager who could only reiterate that the check had not been reissued and we had to go to a branch to sign a stop payment. We continue to follow up and try to be proactive, only to be misled. We have had no issue with our mail, so its interesting that the only thing we dont receive is this check. They have made no attempt to rectify the issue, and feel no urgency in handling the situation.
Product: Credit reporting or other personal consumer reports

I need my XXXX to match XXXX report all of the negative items are either fraud or incorrect
Product: Debt collection

I sent CCS aka Credit Collection Services aka Credit Control Services , inc. aka CCS XXXX XXXX located at XXXX XXXX XXXX XXXX, MA XXXX a letter on XX/XX/year> through U.S.P.S certified mail that requested In accordance with the Fair Debt Collection Practices Act ( FDCPA ) as stated under 15 U.S.C. 1692g that proof be provided to me regarding accounts in debt. They have failed to respond and provide proper validation and requested information regarding an account that they have inaccurately put on my consumer report for {$150.00}. Some how the {$150.00} debt was removed from my XXXX credit report but has not been removed off my XXXX and XXXX. I have also asked them for proof for another account showing a debt for {$100.00} that they have again failed to provide requested information for. These accounts need to be taken off my credit for the lack of providing any proof of their claim that I have a debt with them. This debt collector is also NOT Licensed in the state of Illinois to collect debt. The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. The Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. This account is not verified ; the Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) as stipulated under 15 U.S.C. 1692g, requested that i be provided with the following information : Proof of the debt : Please provide me with a copy of the original signed contract or agreement that establishes my responsibility for this debt. Assignment of Contract : Please provide a copy of the assignment of contract, showing that the current collector has been legally assigned or purchased the right to collect this debt from the original creditor. Until I receive verification and validation, please cease all collection activities, including reporting this debt to any credit reporting agencies. According to 15 U.S.C. 1692g ( b ), I am entitled to dispute the validity of the debt, and I request that the information about this debt be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born on XX/XX/XXXX, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Financial Bank XXXX XXXX This company to include XXXX has reported that I have a repossession on my credit report. I have been trying to get a car for months!! and # 1. Self Financial is a credit card builder company. they do not have auto loans. # XXXX I've asked multiple times for this to be resolved and NO ONE WANTS TO RESPOND TO ME # XXXX this has determented my life!!! I can not get a XXXX i can not get anything done!!!! THIS HAS DEFORMED MY CHARACTER! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TAKE THIS OFF NOW
Product: Money transfer, virtual currency, or money service

I deposited {$100.00} with Coinbase.com in XX/XX/2018 and have some small XXXX  amounts and since then they held my account hostage. I can not buy or sell or transfer my money and XXXX. They have my account restricted. I have emailed them countless times throughout the years and got nowhere. They asked for Id verification which I uploaded to them on 3-4 occasions. For an institution that deals with money they are impossible to contact. Its been 6 years and my account is still restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian Credit Bureaus have been ignoring my dispute letters and CFPB Complaints that I have been submitting to dispute the fraudulent accounts and information from my Credit File. How many dispute letters and CFPB complaints do I have to submit to the Credit Reporting Agencies to inform them that I have been a victim of identity theft. Under the Fair Credit Reporting act section 605b, the Experian Credit bureau is required to remove any fraudulent accounts and information from my Credit file. However, in my case, the Experian Credit Bureau have been doing nothing! They haven't removed the disputed accounts, they haven't sent me copies of proof of verification, but they still continue reporting the disputed accounts as accurate and verified by the Creditors themselves. I am submitting this CFPB complaint to inform the Credit Reporting agencies that I am willing to file a lawsuit against the Experian Credit Bureau. In the event that Experian Do not comply with the Federal Regulation, please expect a lawsuit. If removing the disputed accounts is easier than dealing a lawsuit, I need the Experian Credit Bureau to remove the following accounts as soon as possible : XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I pulled my credit report, and some of the items are missing from it. XXXX # XXXX TransUnion it missing from there, Macys # XXXX Its missing from XXXX, XXXX XXXX  # XXXX Missing from XXXX, XXXX and XXXX, XXXX # XXXX XXXX Missing from XXXX and XXXX, XXXX Cards # XXXX Missing from XXXX and XXXX, XXXX XXXX XXXX XXXX missing from TransUnion XXXX XXXX  XXXX XXXX mising from XXXX, XXXX # XXXX missing from XXXX, XXXX # XXXX missing XXXX TransUnion and XXXX and XXXX # are XXXX Missing from XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX - Delete this account because you are inaccurately reporting ( STATUS, BALANCE. Experian : Balance {$10000.00}, Balance updated XX/XX/XXXX, Status Account charged off. {$31000.00} written off. 
Status updated XX/XX/XXXX, Last payment date XX/XX/XXXX, Balance details Paid off.XXXXXXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE MONTHS Original balance XXXX Original balance {$21000.00} In XXXX : Balance updated, XX/XX/XXXX, Original balance $ XXXX Charged off as bad debt.Status updated XX/XX/XXXX You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  Balance {$130.00} XXXX, XXXX XXXX XXXX Balance {$270.00} # XXXX, XXXX, Balance {$440.00} # XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$830.00} # XXXX XXXX XXXX XXXX {$1400.00} XXXX re the company XXXX I attached a copy of credit report as well. i could not attach on the next page Pleease romove tise Inquiry : XXXX XXXX  ServiDate of Inquiry : XXXX Contact : XXXX XXXX, XXXX, SC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX IncDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXX Contact :
Product: Debt collection

On XXXX XXXX I reviewed my credit report XXXX, XXXX and XXXX  and I notice Derogatory Remarks of Collection and Charge off collections of {$4300.00}, {$4700.00}, {$5000.00}, and reduction of Charge Off/Collection debt of {$150.00}. 
This debt shouldn't be reporting on my credit report or Consumer Report.I don't owed no debts. 
I am XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 
This is a Violation of my ADA Disability Civil Rights Act under Department of Justice. 

This Collection and Charge off shouldn't be sent to no other Private collections companies. 

Many Federal complaints was filed against Oportun from 2019 till XXXX for Retaliation and Discrimination because my National Origin XXXX XXXX XXXX and my XXXX XXXX status. 
Federal filed complaints with CFPB and ADA Department of Justice. 
# XXXX XXXX XXXX and XXXX XXXX # XX/XX/XXXX.and XXXX for XXXX XXXX. 
Oportun was filing with their company Law Firm to sue me in collecting the {$5000.00}.
Product: Debt collection

ProCollect wants us to pay {$13000.00} for an illegal debt not owed. They state they are not the company to speak to. Well, please explain why they have a debt and have hit our credit? The debt not owed on our credit report has their name on it. They are responsible and are committing extortion. XXXX does not have our debt. PROCOLLECT has their name all over it. They are in violation of FCRA and violating my Rights under TN State law and federal law. I assume the people at PROCOLLECT are illiterate. The debt has their name on it. No one else has their name on it. It states PROCOILLECT the village idiots of debt collection have their names on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

We initially contacted Skopos Financial in XX/XX/2018. My credit report had not been updated with my current payments since XX/XX/2018. We spoke to representative there that advised it would be updated in the first week of XX/XX/2018. The first week of XXXX came and went and nothing was reported. We contacted them again and were advised it would be updated immediately per the Credit Reporting dept that we were transferred to on the call. As of XX/XX/XXXX, it still had not been corrected, so we filed a complaint with the XXXX XXXX XXXX that did reach out to them -Case # XXXX. They finally updated the credit report in XX/XX/2018, but only up through XX/XX/2018. As of XX/XX/XXXX, they had not updated the report to show any payments were made since XX/XX/2018. We sent them an email asking for this to be updated. We did not get any response from them, nor was the credit report corrected. This has hurt my husband 's credit score greatly.
Product: Debt collection

I have received a collection letter from : Transworld Sytems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I have XXXX XXXX Member ID XXXX Group number : XXXX do n't understand where this bill is coming from.
Product: Debt collection

On XX/XX/2017 an Open Collections appeared on my credit report from the American Adjustment of Burea Inc on behave of the original creditor XXXX XXXX of XXXX. The alleged debt owed is {$310.00} The first action I took was to dispute the collections with XXXX but they claimed to not be successful with the dispute. I am no form in relation with this company or debt, for I have never been to the XXXX of XXXX or have done any business transactions. There is no proof or documents showing me in relation to this debt and so it is clearly not my debt. Up to this day is it still on my credit report and it could be potential identity theft on their end about this collection.
Product: Debt collection

this is a follow up to complaint XXXX which was previously filed, and your do nothing service which dismissed this with no research. i have filed identity theft report # XXXX with FTC. also made statement to XXXX XXXX XXXX acct # XXXX last 4 digits ) and Jefferson Capitol ref # XXXX. i have received communication from Jefferson Capital acknowledging the identity theft involving me, and their letter stating file closed and collection process terminated. i would like your records corrected to show this error has been resolved. i also demand you contact the XXXX credit reporting agencies to correct their files so my credit record is relieved from this impingment.
Product: Debt collection

Have disputed debt several times. This is a debit that belongs to my adult child whom have his own insurance. I was listed as responsible party from when he was under age. He has his own insurance since age XXXX. Hospital fail to collect his information. They assumed everything was still the same. I have since had myself removed as responsible party but the beauru keep stating its me debt. The debt amount is {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my consumer report and there was several inaccurate information listed as personal information that does not belong to me such as spelling of names, unrecognizable addresses and phone numbers. I sent a communication on XX/XX/22 to Transunion with written instructions Pursuant to 15 U. S. Code 1681a ( d ) ( 1 ) to have it removed. The names are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inaccurate information is still on my consumer report after allowing 30 days to have this issue resolved.
Product: Debt collection

After reviewing my XXXX credit report I saw that their was a debt being reporting by National Credit Systems for the amount of {$3700.00}. At no point was i notified regarding this debt in order to verify its validity prior to it being placed onto my credit report. I do not owe such debt to National Credit System/ or their client. National Credit Systems are in direct violation of the Fair Credit Reporting Act Section 623 ( a ) ( 7 ), as defined in Section 603 ( p ), a Furnisher must notify consumers in writing if they may furnish or have furnished negative information to a CRA.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX BLATANTLY VIOLATES SEVERAL FCRA regulations. XXXX XXXX account was CHARGED OFF on XX/XX/XXXX on EQUIFAX, XXXX XXXX, XXXX and XXXX XXXX of XXXX. XXXX XXXX continues to report it as a charge off/ collection status open, with discrepancies between each of the credit bureaus. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. Additionally, XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Money transfer, virtual currency, or money service

I have been attempting to close my account with PayPal for several months. Their system is broken and is not functioning as it used to.Their 100 % automated system will not allow me to access my money nor transfer my money. I've been through automated XXXX with them. I've followed all their prompts to mnno avil countless times and their only response ( automated, of course ) is to run me back through their useless system ad nauseam. I've called all their numbers and played their game. There is no possibility of speaking to anyone who can help. 
This has caused me a greatdeal of frustration and stress forthelast five months. 
I hope you can help me with this. 
XXXX Thanks. 
XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

CREDIT SYSTEM INTL IN XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

CREDIT SYSTEM INTL IN XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

CREDIT SYSTEM INTL IN XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

CREDIT SYSTEM INTL IN XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Product: Credit reporting or other personal consumer reports

I was informed I had a 90 day notice on my credit report. In researching with Citi I show no accounts in the app or web. I initiated a chat as I received an email about a late payment for a closed account. When clicking the link it brings me to the same page with open accounts but doesnt show the account in question. Apparently I have an old balance which I was unaware of. I have late fees and interest charges which they couldnt waive and told me I should use alerts auto pay or the app, all of which were not options. They have to mail me statements because I dont know if charges are valid and statements are not online. 
I feel they have been deceptive in taking away visibility into a closed account charging fees with no way of knowing. This impacted my report by XXXX pts.