23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I started a XXXX XXXX on XXXX to get rid of my inventory. I was selling my inventory at a loss, but I don't know why Paypal took my money XX/XX/2019 PayPal - negative {$2600.00} XX/XX/XXXX Transfer P PayPal - negative {$2600.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$2600.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$2600.00} Transaction ID XXXX Seller info PayPal Note {$2600.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Mortgage

Fay servicing has increased the amount of my mortgage by XXXX and increased my payment by XXXX making it impossible to make payment.
Product: Debt collection

I have constantly tell these people to stop contacting, very unprofessional and abusive. I 'm giving them 24 hrs to cease and desist. I do n't want these people to ever contact me again final warning. 

My fee schelude is as fallows XXXX per call XXXX per min must book more than 5 mins. 
Final warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Product: Checking or savings account

I got a call a while back from someone at the executive offices asking for my permission to record the call. After I told them they don't have permission to record me, they said they would have someone else call me back. I received a voice mail with instructions telling me what to do and how to get in contact with someone : I need to call them back or else they're going to consider whatever matter they needed to bother me for closed. I called the number they left me and left a voice mail. 

Almost a week later, I still have not received another call back and I think they falsely marked the complaint as closed because in such time they made no efforts whatsoever to call me back at the number that I provided.
Product: Credit reporting

XXXX XXXX ( XXXX, Oregon ) is reporting a collection on my account that exceeds the 7-year statute. 

The Original Creditor was XXXX XXXX XXXX and the date of the last payment on the account was made on XXXX/XXXX/2009. Approximately eighteen months later, XXXX XXXX purchased this account My EXPERIAN Credit Report does not provide a LAST PAYMENT DATE but my XXXX Credit Report reflects the date of the LAST PAYMENT correctly - As XXXX/XXXX/2009 Experian has sent a response stating they are " unable to honor my request based on the limited information I have provided. '' I have provided Experian with a copy of my XXXX Credit Report which CLEARLY shows the date of the last payment as being XXXX/XXXX/2009. 

XXXX XXXX has NEVER responded to repeated requests to VERIFY the date of the last payment with the original creditor - If they were to do so the date would show XXXX/XXXX/2009. They are using their PURCHASE DATE as the date of the LAST PAYMENT, and this simply is incorrect and as you are aware in violation of the FCRA his account notation should be removed..
Product: Debt collection

I noticed unauthorized accounts on my credit report that are damaging my credit.
Product: Credit reporting or other personal consumer reports

A hard inquiry by XXXXXXXX XXXX appears on consumer reports. No disclosures were given regarding this hard inquiry.
Product: Debt collection

XXXX {$2400.00} I HAVE CONTACTED THIS COMPANY IN REGARDS TO THIS COLLECTION AND WAS TOLD I WAS GOING TO RECEIVE A FRAUD DOCUMENT TO SIGN, I NEVER RECEIVED ANYTHING TO SIGN. I HAVE NEVER HAD ANY XXXX  PHONE SERVICE THROUGH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several phone calls to dispute inaccurate information regarding accounts, This company refuses to correct or verity information while yet still reporting false information for over five years. I have disputed these accounts on line as well with no prevail. This company continues to report misleading information inaccurate information and refuses to update accurate and current information. 17 of my accounts should have XXXX  balances and reported current or removed from my report. This company does not verify the validity of information before reporting it. This company is reporting false information about student loans and credit cards which is inaccurate causing my credit score to plummet. This has been a continuous pattern for over 5 years.
Product: Credit reporting or other personal consumer reports

Despite some of these accounts were already being removed from XXXX and XXXX on XX/XX/XXXX & XX/XX/XXXX of XXXX, I still keep seeing these under other credit bureaus ' record. 

This made me questioned their accuracy because first of all, they should only be referring these information from one furnisher of information, but why do they have different resolution? No verification procedures were also shown to me. 

Therefore, I needed them to please remove these incorrect and misleading accounts from my credit history to avoid affecting my scores.
Product: Credit reporting or other personal consumer reports

I am writing to this company the 8th time to dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7 letter and dispute I have sent to this creditor along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditors violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 7th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this creditor/company isnt honoring my identity theft claim. I am now pursuing litigation, I am suing this credit company, for AGGRAVATED IDENTITY THEFT, ILLEGALLY FURNISHING FRAUD ACCOUNTS ON MY CREDIT PROFILE, PAIN AND SUFFERING, AND DEFAMATION OF CHARACTER. This company did not honor my consumer rights as a citizen in America regarding my consumer credit file, this company ignored not 1, but 7 documented and certified complaints and letters regarding my identity being compromised. Under stated consumer rights law this company didnt protect, honor, or respect my claim and rights. I provided evidence, police reports, FTC reports, and supporting valid identity documents to verify myself throughout this 6-month process. This company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt. 

I DID NOT OPEN OR AUTHORIZE THESE ACCOUNTS, NOR WAS I INVOLVED IN ANY TRANSACTIONS ASSOCIATED WITH THESE ACCOUNTS. UNDER 18 U.S. CODE 1028 ( AGGRAVATED IDENTITY THEFT ), THE USE OF MY IDENTITY WITHOUT MY KNOWLEDGE OR CONSENT TO COMMIT FRAUDULENT ACTIVITY IS A SERIOUS FEDERAL CRIME. THIS COMPANY IS CONTINUING TO COMMIT A CRIME BY FUNISHING AND REPORTING ACCOUNTS UTILIZING MY IDENTITY WITHOUT MY CONSENT AFTER I MADE THIS COMPANY AWARE OF THE FRAUD, AND IDENTITY THEFT. THIS COMPANY BY LAW IS IN VIOLATION OF MY RIGHTS, AND THIS COMPANY IS A SUSPECT IN THIS IDENTITY THEFT CASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to each 3 main credit reporting bureaus : XXXX : Experian : XXXX I stated to each credit bureau, that there company violated federal law 15 USC 1681 ( B ) " permissiable purpose '' which stated the bureaus and collection companies must have consent to report personal information to the bureaus. These companies did not have consent and therefore made an error on my consumer credit profile that resulted in hardships during these covid hard times. The bureau made an error with a late payment on my mortgage account, which my mortagage account was in forebearance and is current and up to date, The account XXXX XXXXXXXX services must be removed as a late payment or these companies must provide monetary damages to me as a consumer for violated my federal rights and violated federal law and the policies of the CFPB! Remove XXXX XXXXXXXX as late payments mark them as current to rectify the companies error and pay monetary damages to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items that I have purchased via the company XXXX XXXX XXXX on credit. I have paid off several items dating back to XX/XX/XXXX to now XXXX of XXXX and haven't been late on one payment. None of this information is reflected on my credit report but derogatory marks are. The three companies that have missed this information are Experian, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

EQUIFAX and XXXXXXXX XXXX are violating my consumer rights by reporting a late payment for the Account # XXXX and dates XX/XX/year>, & XXXX and that they have not proved to be verified as accurate. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. I called Equifax and tried to fix the matter but was unsuccessful.
Product: Checking or savings account

I received the following text WeIIs : A Failed Paymnt attempt at XXXX XXXX XXXX XXXX MN XXXX # XXXX has been made for {$27.00} on XX/XX/2022 XXXX Stop. XXXX XXXX XXXXXXXX from XXXX ( XXXX ) XXXX. I knew it was fake because I no longer bank with Wells Fargo, and made the switch several years ago when I closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XX/XX/2019 1. I called TransUnion three times regarding having my question/concerns about why my credit monitoring 3 Bureau report was not updating and hasn't updated since XX/XX/2019 in current billing cycle and did the same for previous billing cycle. 

2. I spoke with XXXX, XXXX and some hard to understand named person today. I was also hung up on when I asked repeatedly to be transferred to the United States. 

3. TransUnion has a major problem forwarding calls offshore and is okay with those reps who answer their calls to just speak with customers any kind of way and apparently are okay with reps simply hanging up on customers when they demand to be transferred to the United States. 

4. I will be attaching a copy of the screenshot of my credit monitoring report showing the fixed date of XX/XX/2019 along with other shots of XXXX and XXXX credit monitoring showing you totally different scores. 

5. I could not ever get a competent person on the phone with TransUnion who could fix whatever the issues are with my 3 Bureau credit monitoring not properly updating even though I pay in advance for the service each month. 

6. Transunion does not update the other two credit bureaus intentionally in order to coerce me/customers to actually repurchase their 3 bureau report at full price because the report date does not change. The service you pay for is suppose to allow you to see all three bureaus credit report scores in real time. Only TransUnion scores are reporting in real time 7. The 3 Bureau credit monitoring is XXXX/mo. I feel XXXX for past two months need to be refunded to me immediately. 

8. TransUnion continues to refuse to transfer my calls to the United States once I make demand on it's representatives. This is a Federal Violation for TransUnion to refuse to transfer a call once demand has been made.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I made my monthly auto loan payment over the phone with a XXXX XXXX representative with specific instruction to use my overage ( over payment credit ) on my auto loan for my XXXX 2024 monthly car loan. Also, a separate arrangement was made to pay late charges that has accumulated with an over the phone ACH payment with the same representative during the conversation. 
Despite providing the representative with specific and accurate payment instruction on how payment should be disburse, the representative did not properly applied it to my account in a timely manner. 
The payment statement and record sent to me by XXXX XXXX investigating personnel omitted the overage ( over payment credit ) payment that was used to pay my XX/XX/2024, monthly payment. 
As a direct result of XXXX XXXX 's negligence in processing my monthly payment appropriately, my account was falsely marked as 60days late on XXXX, 30days late on XXXX, and 30days by {$89.00} on TransUnion. These reporting are very inaccurate and inconsistent.
Product: Credit reporting or other personal consumer reports

I am writing to report violations of my rights by Capital One. They failed to validate an alleged debt, ignored my dispute, and may resort to unlawful collection practices. Please investigate and ensure they comply with the Fair Credit Reporting Act. Your prompt attention to this matter is crucial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with | Maximum Accuracy. There are also inaccurate amounts being reported from different credit bureaus and payment dates have been inaccurate. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Also accounts with I correct account amounts and payment dates I feel should be deleted as this is a violation. Also the address is incorrect and I want deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX needs to be deleted. My address is XXXX XXXX XXXX XXXX XXXX SC XXXX. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

i summitted a online disputed as per my request it would verify in 30 days. Why does Equifax verified in two days. 
I don't understand why this keep happening. i keep getting the same error. i enclosed the email i got this morning. Within 2 days of disputing a inquiries.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following items items on my credit report that I believe are inaccurate or in violation of my rights under federal law. 

XXXX XXXX XXXX BALANCE {$1800.00} DATE XX/XX/XXXX XXXX The actions that was taken by me was Disputing the collection with Experian Multiple times and i recived no professional response or investigation CURRENT ( CLOSED ACCT ) XX/XX/year> This account does not belong to me i have no knowledge of this account The action taken by me was reacing out to the Company and requesting it be removed because of inacurate and false information i aslo Filed a dispute through experian and did not recieve a professional response or investigation. 

Specifically, I am invoking the following legal protections : 15 USC 1605 ( Truth in Lending Act ) : This section requires clear and accurate disclosures of the terms and conditions related to credit transactions. I believe the information on my credit report does not fully or accurately reflect the terms under which my credit was extended.

15 USC 1642 ( Credit Card Applications and Solicitations ) : If any credit reporting includes inaccurate or misleading representations of my credit applications or solicitations, I request immediate correction and removal of such entries.

15 USC 1691 ( Equal Credit Opportunity Act ) : If any of the items on my credit report were the result of discriminatory practices or actions that violate my rights to fair lending, I am requesting these items be removed from my report immediately.

12 CFR 100 et seq. ( Regulation B Equal Credit Opportunity ) : Under Regulation B, I am entitled to accurate reporting and fair lending practices. If the entries on my report violate these provisions, I demand they be removed.

I respectfully request that these items be thoroughly reviewed, and I request their removal from my credit report. Please provide a timely resolution in accordance with the legal rights outlined above. 

Thank you for addressing this matter promptly. 

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

i wrote a dispute letter XX/XX/2020 about my inaccurate personal info with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan with prime acceptance Corp was closed years ago, the vehicle repossessed. I then filed bankruptcy, and this account was on the bankruptcy. They are still reporting it as an open and late account. I filed a dispute on XX/XX/2020. They denied the dispute and started the account was still active. I have now filed a second dispute today, along with filing this complaint.
Product: Credit reporting or other personal consumer reports

I have noticed theres some unauthorized inquiries on my report, and jobs and addresses I never stayed in. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. Experian, Address that I never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Bank account or service

My wife was at XXXX and the debit/credit card we have through USAA bank was not working. I immediately called then and was told I had an hour hold time. I tried their online page but was unable to accomplish anything there either. So, I stayed on the line and within one minute was disconnected. My wife calls back and tells me that all USAA card-holding customers are having trouble too and not one of them is getting through to USAA bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I found that my mailbox has been broken into so wanted to freeze my credit. I was able to successfully and easily do this with XXXX, yet XXXX  and Equifax would not let me do it. 

It is particularly strange that Equifax couldn't seem to verify my identity, or whatever the problem is, because I've had the same credit monitoring account with them since XXXX. It is clear that they just make the " free '' freeze almost impossible to do, but I'm sure the " paid for '' version would go through no problem. 

Similarly with Equifax, I just created an account with them for this purpose and they were able to identify and find my credit file, list out my current credit accounts, etc. Yet when I tried to freeze the credit they said they couldn't do it online. So I called the number and correctly answered all of their prompts, but again, a problem and they tried to refer me to the online page. Then when I spoke to an agent she said that she was unable to freeze my credit at that time because they were updating their systems. I get the feeling no matter when I attempted to call they would be " updating their systems ''. 

It's all a big scam to avoid the law requiring them to freeze my credit for free and making me pay for their premium services.