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

I have had a savings account with XXXX XXXX XXXX XXXX in XXXX, Georgia since XXXX. In addition, I was issued a Visa Credit card by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I wrote a detailed complaint to XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX detailing several federal banking and credit reporting complaints committed by several XXXX XXXX XXXX XXXX employees. XXXX XXXX contacted me by phone on XX/XX/XXXX, to discuss the issues. On and about XX/XX/XXXX, XXXX XXXX called me to apologize and admit that several errors, mistakes, and mishandling of my account had been committed. XXXX XXXX stated that my credit report from Experian ( the bureau ) used by XXXX XXXX XXXX XXXX did not contain negative or derogatory information. In fact, XXXX XXXX stated that during the years XXXX, and XXXX XXXX XXXX employees reported all XXXX credit payments correctly. Furthermore, XXXX XXXX stated that my credit file and score during the time that employees drafted monthly payments to pay XXXX XXXX XXXX XXXX loans and my VISA credit card issued by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was informed that my VISA credit card issued by XXXX XXXX XXXX XXXX was not re-issued due to my past " history '' of delinquent payments. I questioned the XXXX XXXX credit XXXX on XX/XX/XXXX, and was told that the decision was determined by the branch XXXX and XXXX XXXX XXXX. Upon review of my credit report from Experian, I noticed that the incorrect delinquent payments reported by XXXX XXXX XXXX XXXX had not been corrected to reflect on-time payments. My credit payments have been on time since XXXX. The derogatory information has had negative effects on my life, and the life of my family. The XXXX XXXX has also drafted on consistent basis funds from my checking account more than XXXX weeks before payment is required without my legal consent. Finally, I was charged late fees for more than 2 years for being delinquent and payment was drafted monthly more than XXXX days prior to payment. Recently, I applied for loans and was denied due to my " history '' which has been discredited and incorrectly reported by XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited
Product: Credit card or prepaid card

On my XXXX 's Consumer Credit card / XXXX XXXX On XX/XX/XXXX I made my normal of {$110.00} before due date of XX/XX/XXXX. On XX/XX/XXXX I paid off remaining balance of {$3700.00} leaving the credit card with a XXXX balance. On XX/XX/XXXX when the billing cycle ended. XXXX charged me {$63.00} on the XXXX balance. When I received the statement in the mail on XX/XX/XXXX I called the credit card company. They tried telling me the interest was charged because I did n't pay off the card before XX/XX/XXXX. As far I knew as long as I paid the card off before the cycle ended I would n't be charge any interest. XXXX has reversed the interest charge of {$63.00} because I threatened to close my account. This is charging interest for balance that do n't have any more. This should be illegal..
Product: Debt collection

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : ; Americollect in the amount of XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. [ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days. Please provide me with the contract with my WET INK signature stating that I am legally bound to pay YOU. Please do not send me an alleged bill/statement from another company for this is considered identity theft you have recieved my information without unknowingly to me without MY knowledege or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$1200.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$370.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$880.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$540.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$680.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a medical debt in the amount of {$23000.00} reported by Alliance Collection Agency, located XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX being reported on XXXX credit reports. I disputed the debt as I had no knowledge of the account on XX/XX/XXXX. Additionally, I placed a phone call to Alliance and requested they validate the debt and provide me with original copies of the bills and providers. I did not ever receive any documentation from Alliance, and my future phone calls to them regarding this issue were sent to a voicemail box. I did not receive any calls back. 
In XXXX of XXXX, I placed a call again, and was able to speak with a supervisor. I inquired about the debt and requested again, proof of the debt and originals. I received a copy of a bill from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
The bill is not in my name, nor my address. The treatment records are for this person 's child, who is not my child. I immediately called Alliance again, to inquire about the errors and to ask for removal. They stated they had identified the problem and that someone would reach out to XXXX XXXX to for removal. They stated to call back in a few days to check the status. I did call back and was told that they had to confer with XXXX XXXX, I spoke with XXXX with XXXX XXXX billing who interrogated me regarding the debt even though the debt is in someone else 's name, ss #, a different city etc. This large collection account is causing me severe credit damage, furthermore the collection agency contends the debt belongs to me, even while none of my identifying information is within it. 

Alliance Collection Agency is also reporting two accounts on my credit files which were discharged in a Chapter XXXX bankruptcy in XXXX. They will not remove the accounts despite having proof of the bankruptcy and discharges.
Product: Credit card or prepaid card

On XX/XX/XXXX I called my credit card company to remove a restriction they placed on my account without my consent or knowledge. During the verification process to get access to my account the representative requested my private info ex ssn, DOB etc. I asked if I could be verified another way because I am not co comfortable with providing my private information and I was told NO there is no other way. I find this to be very disturbing and careless of the company. I do not want to be verified my by private information each time I call customer care. Id like to know what the rules are for verification process on a credit card company. Thank you.
Product: Debt collection

I was pressured into buying this product by a sales person that would not leave my home after coming in to drop off a " free '' product that I had " won '' at the XXXXXXXX XXXX  Woman 's Show. She played upon my son 's health issues and assured me that by providing ten people 's contact information I would not owe anything for the machine. I was leery of the purchase because of the extremely high interest rate and the predatory nature of the whole pitch, but she would not leave until I purchased from the XXXX XXXX XXXX Systems. 
When I did not make payments I reached out the sales person ( the only contact number I had ) and she did not return my calls. I could not locate anyone to speak to and they never reached out to me despite my phone number not changing since 2005. 
When I attempted to buy a home this Preferred Credit showed up as a negative account on my credit report. I had no clue who that was so I disputed it, but the reporting agencies told me to deal directly with Preferred Credit. After two weeks of constant back and forth and arguing I finally paid a settlement amount just to be able to move on with my life. This company starts out by lying to its customers and then backs people into unwinnable situations to extort money out of them all for products that do not do what they promised to do.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX said they had no knowledge of an account in my name that was delinquent. I asked him to please let the Credit bills know and they said that thats not their responsibility to do that. I spoke to the credit card companies and they still havent rectified the situation the address of the company XXXX XXXX XXXX, XXXX XXXX XXXX, UT, ZIP Code is XXXX. Please remove the following account from all credit barrels. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is pretty straight forward, I have address reporting on my credit that are not mines, Please remove any address that is not the address I am including in my attachments, I am not receiving my mail and I am not trying to be a victim of identity theft.
Product: Credit reporting or other personal consumer reports

It was a data breach I have incorrect data on my credit reporting
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : I AM A VICTIM OF THE SECURITY BREACH AND AM REQUESTING ITEMS BE REMOVED FROM MY CREDIT REPORT BEFORE XX/XX/year>2025. 
I am writing to formally dispute inaccurate and potentially fraudulent information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This section requires credit reporting agencies to ensure that reinvestigations of disputed information are thorough and that written results are provided within the statutory timeframe.

Request to Unblock Credit Report Access I request that my credit report be unlocked so I can access and review it online.

Proof of Identity I have attached the following documents as proof of identity : Drivers License Social Security Card Per the documented proof of the data breach, an unfamiliar individual named XXXX XXXX XXXX appeared on my credit report. I have never seen or heard of this person. While you have removed their name, you have left all of the fraudulent activity they conducted on my report, forcing me to dispute it on my own. 
This is completely unacceptable. Your mishandling of my information is causing unnecessary stress and hardship. If this matter is not immediately corrected, I will be pursuing legal action for the misappropriation of information on my credit report. I expect a prompt resolution to this issue.
Product: Debt collection

This company continues to call me for debt collection for my husband and we have been legally separated for 9 years. They called me last week and I told them that, and they called me again today. They will not tell me why they are calling me or why they have my phone number. They will not give me the name of their company. When I try to speak to a manager they disconnect me. It is harassment and I am not legally associated with this person ( my husband ) anymore.
Product: Checking or savings account

I have made several attempts to open an account with Wells Fargo & they keep denying my application for no reason I would like verification to the problem I have with opening this account
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX-XX/XX/XXXX I had leased a vehicle from XXXX. My leasing company was XXXX XXXX. I had a 36 month lease term, with automatically deducted bill pay. When my payments were concluded, I received an email stating that all payments were received, and I had completed my final payment in the series. XXXX reported me late during the months of XXXX and XX/XX/XXXX,  however I did not have payments due for those months. Throughout the month of XXXX, I called on three separate occasions to verify if I owed any additional payment, and to clarify that I could simply drop the vehicle at the dealership. I was told that I was current on payments, and confirmed to drop of the vehicle. 

The credit reporting error came to my attention on XX/XX/XXXX. I called XXXX, spoke to XXXX and her supervisor XXXX, employee # XXXX on XX/XX/XXXX. I was told that yes, in fact this was an error, as no payment was due at this time, and they would be removing the marks from my credit. 

I disputed with all 3 credit bureaus for the late payments reported in XXXX and XX/XX/XXXX. XXXX  removed both marks in XX/XX/XXXX. 

My credit report on XX/XX/XXXX showed that XXXX  removed XXXX but kept XXXX, Equifax   removed XXXX but kept XXXX. When I checked my dispute status with XXXX, it shows n/a for both completed and results. 

Additionally, my XXXX  page shows the wrong Fico score for the other three bureaus, which seems to account for the XXXX payment being removed from all 3. 

I would greatly appreciate your assistance to encourage Equifax and XXXX  to update their reports.
Product: Checking or savings account

On XX/XX/2022, one of my checking accounts was hacked and a wire transfer was conducted fraudulently in the amount of {$7200.00}. I immediately ( within a couple of minutes ) reported this to USAA. I was assured that my money would be returned to my account within 7 full days ( or 3-5 business days ). Well, it's been XXXX  days and funds have not been deposited back into my account. I have called and spoken to numerous representatives and nobody is able to give me any answers as to why this has not been re-deposited yet. I need that money back in my account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX and noticed that a company Bridgecrest were reporting XXXX days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the XXXX XXXX XXXX and the XXXX  XXXX XXXX as I want this to be taken care of right away.
Product: Debt collection

Please forward all information pertaining to the opening of this account. It is not known to me and was opened without my authorization. I have on going issues with identity theft and require all for the ongoing investigation in progress.
Product: Money transfer, virtual currency, or money service

I ordered from XXXX on XXXX i paid threw a company called affirm that loaned me the money i never recieved the item so on XXXX XXXX XXXX was suppose to refund me XXXX instead they refunded me XXXX cent ive been paying on the loan with affirm i sent them refund conformation but tjhey havent refunded my loan. i have all documents needed please help me get affirm to credit my loan
Product: Money transfer, virtual currency, or money service

I'm looking to address a problem whereby PayPal charged the wrong account for a transaction. Despite my preferred card for payment being a credit card, my bank account was automatically charged instead. 

After I selected 'pay with PayPal XXXX on the seller 's website, I did not have a chance to choose which PayPal XXXX to be charged with as I usually do. Instead, PayPal automatically charged my bank account with the purchase, which was in foreign currency ( Euros ; I live in XXXX and my bank account and credit cards operate with CAD ). I have no idea how this happened because the bank account is not my default card. 

Because of PayPal 's error, I was then charged an insufficient funds ( NSF ) fee ( {$45.00} CAD ) from my bank because I didn't have enough for the amount in my chequings account since I was not expecting it would be charged for this purchase. 

I was also charged the amount in CAD based on PayPal 's conversion rate of XXXX CAD = XXXX EUR. This is higher than the XXXX mid-market conversion rate at the time of purchase ( XXXX on XX/XX/XXXX ) : XXXX CAD = XXXX EUR. Had I been able to select the preferred card on my account, which is an XXXX XXXX credit card with no foreign transaction fee, then I would not have had been charged at this subpar conversion rate. 

Had I been able to select the proper credit card to pay for the transaction, I would have paid, according to the mid-market conversion rate at the time of the transaction listed in my previous message, ( i.e. XXXX CAD = XXXX Euros ) = {$64.00} CAD. Instead, because my debit card was incorrectly charged using PayPal 's conversion rate ( XXXX CAD = XXXX EUR ), I paid {$67.00}. 

I have repeatedly requested to multiple service agents at PayPal via Customer Service to correct this error by doing the following : 1. Refund the {$45.00} CAD NSF fee. 
2. Refund the difference between what the amount charged based on PayPal 's conversion rate ( {$67.00} CAD ) and what I should have paid if PayPal had not made this error ( {$64.00} CAD ) = {$2.00}. 

As an alternative solution, I have also proposed that PayPal fully refund me the original charge for the transaction, then charge my preferred credit card as I had originally intended. 

PayPal 's representatives have not taken responsibility for the issue. They instead told me to request a refund from my bank for the NSF fee. This is not a problem my bank should be responsible for, and consumers should not have to waste time addressing a problem that PayPal should be responsible for fixing. 
I have not contacted the Resolution Centre because my issue did not fit into one of the prescribed problem categories. Also, there have been a history of complaints
reported in the PayPal Community forum about incorrect accounts being charged that the Resolution Centre failed to resolve by denying consumers ' claims. This adds to the seriousness of the issue regarding PayPal 's lack of responsibility and unacceptable customer service. 

Examples of this issue reported by other consumers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute in XX/XX/year> Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to Accounts paid in full for less than full balance. Experian, Transunion, and Equifax denied to follow-up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian, Transunion, and Equifax. They alleged the company of accepting unreliable dispute results. this aligns well to my situation! Experian, Transunion, and Equifax has not attempted to remove, nor correct any information. I'm requesting this derogatory remarks be removed or corrected immediately as it's affecting my chances of getting a house and a car. Experian violated my rights as a consumer, as well as federal laws.
Product: Debt collection

I was a XXXX customer for 8 long and frustrating years. I had little to no signal and experienced XXXX dropped calls & choppy calls. After years of " we will add new towers in your area soon '' I switched to XXXX. XXXX sold me a phone w/LTE technology. They PROMISED me the new technology would solve my connection problems. They switched to XXXX technology the same week that they sold me the phone. They sold me a useless phone. This same phone was stolen from my shop 2 weeks after I switched. I had it blocked. I also discovered that I had been paying on a phone that I paid for in full at date of purchase. 6 months of wrongful payment for the XXXX phone. I was told I owed on the phones. The cust serv rep at XXXX ASSURED ME they would waive IN FULL the phones ( again, one I had already paid for ) upon termination of service. At that point I owed {$280.00}. I offered them {$140.00} to resolve the issue. The other {$140.00} was ONE DAY ( less than 24 hrs ) of service into the next billing cycle. I offered a prorated payment of {$250.00} to cover the extra day. They refused. My offer to pay the {$140.00} still stands, but all credit references must disappear with said payment, as well as all calls from debt collection agencies and all of their annoying robocalls. They now say I owe {$830.00}. Please understand that " what i owe '' is many numbers. When I call I can get as many as XXXX different " you owe '' totals. Its all XXXX. I " technically '' owe them less than {$140.00}. Im no longer interested in paying the {$140.00} as they have cost me far more than that in aggrevation. I was a customer for 8 years with NOT ONE SINGLE LATE PAYMENT EVER for crying out loud, & aside from this issue I have PERFECT credit. They have sent this " fictional debt '' to many different collection agencies, all of which have harassed me relentlessly. The calls are all hours day and night, even at XXXX and XXXX XXXX. They have hindered my sleep and caused me financial loss. I would like to seek retribution. I have an attorney of my own that knows me well. I am also getting dozens of robocalls daily. One happened at XXXX as I typed this. Conclusion : XXXX has been sued by many agencies for many dishonest practices. This is just another example of their dishonest business tactics. 
XXXX if you SAY you will waive the phones, and SAY " your phones are waived. You no longer owe on the phones '', THEY SHOULD ACTUALLY DO IT!! 

The " imaginary debt '' has been sent to Maury Cobb & Associates LLC. 
Id also like to say since I switched to XXXX my life has vastly improved. My customers can actually hear my voice. Ive experienced less than XXXX dropped calls, I have coverage EVERYWHERE, and I get cell phone reception, not excuses. I should have switched 8 years ago.