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

I woke up today to find incorrect accounts on my credit report, and Im completely baffled as to how this could happen. Ive been diligent in checking my report, and now there are errors that appeared out of nowhere. I tried refreshing my browser, thinking it might just be a technical glitch, but the false accounts stayed put. I feel helpless and am begging for the documents I provided to be reviewed thoroughly so I dont have to live in fear over this anymore.
Product: Vehicle loan or lease

Around XX/XX/2020 i stated to talk to XXXX in Idaho for a tractor and baler. 
They had a used tractor and a new XXXX baler. 
They gave me the price and who would be good to get a loan from. 
As we talked I did fill out some paperwork to get things started. 
But as things got going they started to push me into getting this deal done. 
At the time I had done some paperwork with the loan company. 
They had sent paperwork but there was problems with it and that company said that with the way I had signed some of there paperwork was not how there rules and polices were. So that i still needed to re-do those documents. 
So all this time I did not know that the loan company had went around there rules and that XXXX had taken money with knowing that the paperwork was not inside what the law is in Idaho and the law in Nevada. 
So when I did think it would be best that I pass on this equipment they told me the deal was done already!! 
The loan company on XX/XX/2020, started to fund the loan and on XX/XX/2020 did fund the loan and send XXXX the money for the equipment. 
But I will sent copy of emails dated XX/XX/2020 that shows that they both wanted me to re-do the paperwork then. 
And in a email they both said that the paperwork was done on XX/XX/2020 & XX/XX/2020. 
And I did not even try to send paperwork back tell XX/XX/2020 And then a very short time after that I was told that the money had been sent weeks before that. 
So how could a loan be done with out all paper work done and signed. 
So after XX/XX/2020 I did think it was best to just walk away from this. 
But then later I did find out that XXXX took months to pay back the money to the loan company. 
And that should have been done right away. 
And in Idaho and in Nevada both company 's did not stay witin the law on this
Product: Credit reporting or other personal consumer reports

Like many Americans I was a victim of the XXXX data breach, I have already experienced several issues with my personal information being stolen. These accounts are still inaccurate, unverifiable, and unvalidated and need to be corrected or deleted immediately. Please also make sure these items are in Compliance. Also pursuant to 15 USC sections 1681d of the act please notify me when the items have been deleted. Also, send me documentation that was provided prior to the items being reported, that gives me right to opt-out of my information reporting to a non-affiliated third party.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

We emailed Gemini on May XXXX XXXX  XXXX, and XXXX with no reply. We deposited {$500.00} with them and they withdraw from our bank account on XX/XX/XXXX. We want to withdraw from them and they do not reply on how through email nor have they verified our account
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681a ( 2 ) a ( i ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end comsumer credit plan as late for and purpose.

15 USC 6802B Request for all late payments to be REMOVED on my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This company AD Astra Recovery continues to report to all 3 credit bureaus that I owe them a debt in the amount of {$1000.00} this information is not correct.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts as being accurate and that I know is not correct. I have asked AD Astra Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with AD Astra Recovery in the amount of {$1000.00} and opened on XX/XX/19. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.
Product: Money transfer, virtual currency, or money service

I have had big problem with this paypal mess for months now, and now they have added another problem for me. I want to log in on the same pc I always use. I have had no changes with my log in or password. Nothing has changed other than them maybe wanting to hassle me for when they recently would not let me link my bank acct to transfer money. I try to log in and it now wants a mobile number which I do not have. I need my acct unlocked so I can access it. This is causing me problems once again. 

I sat through 2 minutes of messages and number punching to finally get on the wait list for someone to talk to. I then waited for over 10 minutes and still got no one. I worked on this complaint while I was waiting and finally ended the call and I am now sending this complaint to get some action. 

If this company can not operate it properly and with any of these excuse they use they need to shut down their operation as they are causing people all kinds of problems. They seem to have plenty of workers there to hassle me like they did with my last complaint. Some clown there spent who knows how long to give me a hard time with distractions, excuses and non-applying things instead of simply taking care of the problem. Have this same clown work on this one also and I can keep making complaints every place I can find until I get my acct unlocked. Have that clown do some actual work there and stop hassling customers. Why is this company even in business?
Product: Mortgage

We have been trying to modify our loan for a year. My husband is on the house and they refused me twice and said I am not allowed to use his incom. This is a lie according to my lawyer. Soo my husband almost lost his XXXX twice. We have been working with a lawyer and then the pandemic happened and now they must think its over because my lawyer said it will be frozen until we do the modification. I made the mistake telling wells fargoo my house was worth Moore. It is worth way less so now they are kicking us out according to my credit report that as of XX/XX/2020 Im in foreclosure. They never returned my call they dont know what there doing. All they want to do is get us out. We felll behind medical loss. We make well over XXXX figures and we do infact qualify for something. But they lied and told me my husband doesnt count and now they just want my house and I havent even finished what the lawyer wanted me and my husband to do. They forclose ashy way. I have also been working with hud and XXXX and others. This is scaring me. I dont know if I need to get a rental and move us out here. They are awful and very very deceiving. Please help.
Product: Debt collection

I was contacted by XXXX XXXX from RevNow impersonating the law office of XXXX XXXX XXXX XXXXXX/XX/XXXX. It was regarding a debt that was discharged in my bankruptcy. This representative said I was being sued and provided me with a case number. I looked up the case number and it doesnt exist. XXXX became very belligerent and aggressive when I told him that this debt was included in my bankruptcy. He said that my tax returns are being taken to pay this debt. I was then contacted again XX/XX/XXXX and I again requested proof of debt. XXXX proceeded to yell at me and tell me he doesnt have to give me anything. I need to learn how to pay my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Act. # 15 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction. XXXX XXXX XXXX # XXXX XXXX XXXX Act. # XXXX XXXX XXXX # XXXX XXXX Act. # XXXX XXXX XXXX XXXX. # XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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 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
Product: Credit card or prepaid card

This is the second time I have had this issue with Capital One. 

Capital One refuses to discuss my account with me when they know I am recording. Georgia and Federal law are one party consent ; therefore, I have the legal right to record any conversation, to which I am party, with or without the other person 's consent. Capital one refuses to discuss my account and disconnects the call. 

I offered to stop my recording, if they stopped theirs. I was told they would not halt their recording, but still would not speak to me if I was recording. 

In this instance, my wallet and cards were stolen. I reached out to Capital One immediately on or about XX/XX/XXXX. I informed them that my accounts were frozen by XXXX. They sent a new card quickly. Because the payment was due by XX/XX/XXXX they locked my card. My accounts were unfrozen at XXXX on XXXX XX/XX/2022 after receiving documents the evening before. I called merchants who make automatic charges to the card as instructed, but Capital One would not allow the charges. 

When I called to discuss, I reached an agent who refused to talk to me because I exercised my State and Federal right to do what they do and record the conversation. 

Capital One 's policies do no supersede Federal law and rights in any regard. Their training, policies, and procedures need to change to be in accordance with said laws.
Product: Credit card or prepaid card

I am a senior who was scammed by phone and online on XX/XX/XXXX and XXXX of XXXX with a gift card scam for a total of {$9000.00} charged on my USAA Savings Bank Visa card. The bank was notified to try to reverse charges but said they could not do so. Visa was also notified who referred me back to USAA Bank. A police report was filed that USAA Bank already has along with the details of this case which include the merchants involved. I tried to submit this as fraud, identity theft and also under my homeowner 's insurance as well as resubmitting under Elder Abuse but today XX/XX/XXXX was informed by USAA that my claim was again denied as I am still liable for the amount. The police case # is XXXX and the officer 's name is XXXX XXXX with XXXX XXXX County Sheriff 's Department, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, telephone XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXXXXXX XXXX  XXXX Updated : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have 2 accounts open for student loans that Im sure I paid off a while ago that are now being showed delinquent. I have them off once again and they are still showing delinquent on my credit report and the accounts are still open. When will it reflect that I have paid them off and get them removed from my credit report? I took a major credit hit from XXXX to XXXX just because of this and would love for it to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, ( 2022 ) I checked my credit, and the balance was XXXX. I was concerned because I had paid the balance off. However, I was paying each balance a few times a month so I would not have a large balance. In XXXX ( 2022 ), the account XXXX showed the same balance of {$270.00}. I tried to log into my online account, however, it was having technical difficulties. I tried on other computers and the same result of not being able to log in occurred. I started to be concerned because of having this problem before when I called the company on the telephone to make a payment a while ago. I checked the XXXX for the company and discovered that some individuals had be charged interest on a {$0.00} balance. I was hoping this would not happen to me. I did not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our XXXX XXXX mortgage was initially being reported as included in our bankruptcy. We submitted a dispute as it was not included in the bankruptcy and is still an active mortgage account we make payments in monthly. TransUnion deleted the account as the solution. It is now no longer showing on our credit report and should be to reflect our ongoing payment history.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally lodge a complaint regarding the second attempt made to remove the fraudulent items from my account. Despite the previous assurances and the initial steps taken, I am disheartened to report that the issue persists, causing undue stress and inconvenience on my part. 

This failure to effectively address the fraudulent activity not only jeopardizes my financial security but also undermines my trust in your institution 's ability to safeguard its customers ' interests. 

I urge you to escalate this matter to the appropriate authorities within your organization and take decisive action to rectify the situation promptly. I expect a comprehensive investigation into the root causes of these repeated failures and assurances that measures will be implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX  XXXX XXXX XXXX Balance XXXX {$5500.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX XXXX {$380.00} XXXX  XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX {$260.00} XXXX XXXX  XXXX Balance : {$380.00} XXXX  XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

These Accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. code 1681b-Permissible purpose of a consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

I found out in XX/XX/2023 that I have a collection account is not mine. I did not authorized any agency or nothing to use my information. I did not sign any document or nothing to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX/avant XXXX, IL XXXX ( XXXX ) XXXX No open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX, FL XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Accounts listed below, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions All these account has been disputed several times and the information isn't 100 accurate and its very frustrating to keep trying to dispute these accounts and nothing is being changed or deleted. This is my last try at this. 

Account with incorrect information : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account paid and payment history is expectational XXXX XXXXXXXX XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXnquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$24000.00} XXXX XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$24000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to report an instance of identity theft that appeared before me on XXXXRecently, I was informed by XXXX that an XXXX XXXX credit card had been opened under my name through TransUnion. The reported amount associated with this account is {$430.00}. I want to clarify that I did not authorize or open this credit card account, and I have reason to believe that my personal information has been fraudulently used. 

The account was opened under my name. I suspect that my identity was stolen and used without my consent, which has led to this fraudulent activity. This issue poses a significant risk to my financial integrity and credit score. 

I am seeking your assistance to investigate this matter thoroughly and to help me resolve the issue by removing the fraudulent account from my credit history. Additionally, I would appreciate guidance on further protective measures I can take to secure my personal information. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

TransUnion has been difficult to get ahold of as well. I have been trying to also use their website but they are reporting they can not find my SSN.