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

XXXX amount {$5900.00} showing that this account is open and past due. This is not correct. 

XXXX XXXX XXXX XXXX ) {$1300.00} showing a past due balance. This is not even my account. 

XXXX XXXX {$1000.00} showing a past due balance. This doesnt belong to me. 

XXXX {$120.00} showing a past due balance. I never had an account with this company. 

I have submitted several letters requesting the inaccurate information removed from my credit report. I have asked for proof that these items belong to me and they have failed to provide me with documentation. 

Please see the credit report attached with the items circled.
Product: Debt collection

I contacted XXXX and XXXX and was told to contact Discover Bank to have the fraud account : " DISCOVER BANK - XXXX - {$2800.00} XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX " removed. I spoke with XXXX from the fraud department and she informed me of the company address to mail my dispute forms to. She also told me that the fraud department does not communicate over the phone. The address she provided matched the fraud account already disputed and removed from my record however the same account number and XXXX is still reported on my credit report. 

She provided me with this address : Discover Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

https : XXXX However my report shows this address as reporting agency : DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX As you can see, this is the same institution just filling a duplicate account on my report. 

In both cases the same exact account is report for the same exact amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the hospital in the XXXX  from XX/XX/XXXX to XXXX XXXXin a XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX due to XXXX. I was not alert or oriented except for the last two days of my hospital stay, I was XXXX  and in a XXXX. My husband who has never paid the mortgage never thought about XX/XX/XXXX mortgage because at the time they were not sure if I was going to live or die and he has never paid the mortgage. 

However, on XX/XX/XXXX he called in to make the XXXX payment at the advisement of our children and found out that he needed to make XXXX 's payment as well. He made both payments that day. 

XXXX XXXX  hit both of our credit reports with a 30 day late mortgage. Once I found that out I contacted XXXX XXXX in XXXX of XXXX and got up to the supervisor of the call center, She pulled the tape recording of my husband calling in on the XXXX, and said since he did not tell her I was in the hospital with XXXX at that time they can not change our credit report. They did not ask my husband why the payment was late either. My husband didn ; t know he needed to tell the bank I was in a XXXX XXXX XXXX due to XXXX. If he had known that they needed that information he would have given them that information. I was so upset because she said that had he told the call center at the time it wouldn't have gone on our report but because he did not they will not remove it. 

I was vaccinated and boosted and still ended up with XXXX, XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have XXXX children and 5 dogs that my husband was trying to balance with the real possibility that I was going to die. 

We had a significant reduction in our credit scores because of this reporting. We are trying to refinance our home to use some of the equity because I could not work for several months, and just now I am back to work and working up to full-time. My husband served our country in the XXXX for 30 years and this is how we are treated? If he told them when he called in XX/XX/XXXX they would not have put it on our credit report but since he did not they will not change it. I have a full medical report to go with statement of XXXX and XXXX and XXXX XXXX. I also had XXXX..
Product: Debt collection

Harris & Harris calls both our home numbers at least twice a day by robot-calls. They do NOT say what company or debt or amount or anything that would help us identify if they have a legitimate claim or purpose. Their phone number zooms past at the front of the call before one can pick up a pencil AND they do not repeat it at the end of the call. Their " caller ID '' number, when one tries to call it back, goes to some sort of electric buzz tone ( fax or hearing-impaired device? ) On the one occasion I managed to get a number down -- I called back to have an automated system place me on HOLD. After XXXX frustrating minutes ... I hung up. 

These have got to be the WORST debt collectors on record! They make it nearly impossible to discern their legitimacy or the debt or the number to call back. When you do call back -- they are not available. And yet ... 

Their robots keep CALLING AND CALLING AND CALLING AND CALLING. Day after day, week after week. It all seems to be done by automated systems that have no judgment, ability to interact or to update or question. 

HOW do we STOP them from filling up our answering machine with their automaton snippet-messages and from tying up our phone lines? When will a human contact us or answer their own lines?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello There are fraudulent accounts on all 3 of my credit reports and some items were deleted and some were not. I went to my local police station and explained to the officers that my identity has been compromised and as a results I have several accounts that are being reported that aren't mine. I have disputed again and again with the bureaus and all they keep doing is " updating '' the accounts. I do not believe I have been given a fair investigation from them. 

I need a fair investigation into the accounts I have mentioned in my letters which I will attach to this complaint along with the FTC report and police report. 

I hope something can be done before I am forced to retain a lawyer. 

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

Watch XXXX of XXXX  me and my dad went into XXXX XXXX XXXX on XXXX XXXX in XXXX Kansas I have been speaking with XXXX XXXX XXXX for a period of a several weeks and they advised me that since I was a new buyer or they wouldn't be anything down so I explained to them that I didn't have my social I mean my birth certificate that I had to take the driver 's test and they told me oh that'd be fine so I went in and explained to them that I had a freeze on my account through XXXX XXXX XXXX and equal facts and they said oh that's no problem and they told my dad that he will be the cosigner of the car come to find out they put my dad down as the owner of the car my dad his credit score wasn't even sufficient enough to even be given the loan neither was mine due to me having a credit freeze through these three credit bureaus my dad 's income is only {$800.00} a month he's on XXXX he's worked all his life and he wasn't even aware that he would be the owner of the car because they didn't tell him that and so the first day after the purchase of the car I realized that the information on the application was fraudulento and that we did not know this knowing of any of the information that they had put down they the guy XXXX I try to take the car back the first day because of the transmission was slipping jerking and he told me that I couldn't do it and I just went through the paperwork couple days after he told me I couldn't which the 372 hours had expired he said I couldn't bring it back so I reached out to the DA in XXXX Kansas and they have filed a complaint with the XXXX XXXX XXXX and XXXX Kansas and I am feeling another formal complaint with you guys I'm attaching information if you look at their reviews they have bad reviews of selling people cars and they're transmissions are going out like this one did they charge me almost {$40000.00} for a car that's only worth XXXX I had a credit freeze on my account and my credit was not accepted through XXXX to XXXX different credit agencies because of this credit freeze so I am following this complaint because they have fraudulently signed and agreed and accepted me and my dad 's signature knowing that the our credit scores was not accepted through several different major credit bureaus I have video of them of me asking to bring the car back within 72 hours the guy XXXX XXXX so the car and he told me I couldn't bring it back because that wasn't part of the policy or the agreement so the car stayed in the shop from XX/XX/XXXX XXXX maybe XXXX up until XX/XX/XXXX they supposedly put another transmission in it well the gas accelerated and ran me into a tree causing injury to me so I have insurance claim I need to take the car in to get that part fixed but yeah the car has major issues with it and I would like to speak with someone about seeking damages mental emotional and physical damages from XXXX XXXX XXXX and credit acceptance
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to EXPERIAN disputing : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. <P/>I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. <P/><P/>These accounts are fradulent and EXPERIAN did not conduct a through investigation according to the FCRA. These Contracts were cancelled or rescinded and should not be reporting on my credit report. <P/>EXPERIAN responded stating that it meets FCRA requirements which is false. <P/>I SENT EXPERIAN the returned letter from THE XXXX XXXX XXXX XXXX ACCOUNT # XXXX stating that this item was returned to me from the address that was reporting on my credit report fraudulently. I 've attached the document with this complaint. Experian did not delete this account from my credit report they updated an address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all ftc violations
Product: Money transfer, virtual currency, or money service

XX/XX/2019 PayPal limited my account access holding my funds for reasons unknown to myself or customer services reps I have spoken with. I provided information needed, changed my password for security and still can not access my funds in my PayPal balance for withdraw. Due to this inconvenience my water has been turned off by the utility company for failure to pay the bill on scheduled payment arrangement date. I have young children who has also been affected by this. I have reached out to PayPal on XXXX, XXXX and XXXX with no accurate response or update to when I will have access to MY EARNED MONEY sitting in my PayPal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been charged a {$40.00} fee every month and when inquired with the company the provide no answer or explanation. I have gotten it was for a late payment in XXXX of 2020. If that is the case it would be paid the first month and then gone off our statement. I have spoken to many employees to no avail. And now they have not returned our calls. I just submitted a written inquiry in regards to it as well. We have now paid 11 months of fees with no explanation of said fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX with TransUnion LLC since the end of XX/XX/XXXX. The account in question does not belong to me, this was opened without my permission and is a fraudulent account. I've disputed this account over a dozen times and I receive no real resolution. TransUnion LLC has deleted this account form my report multiple times and keeps on re-inserting it without due notice. This action violates the FCRA under illegally re-inserting accounts back into a credit file without following the instructions completely. I have done everything that can be asked of me in order to permantely remove this account from my file. I have submitted the following documents. A Police Report, FTC Identity Theft Report, a previously filed CFPB complaint report filed against XXXX XXXX XXXX XXXX and TransUnion LLC. copy of my bank statement showinf that these funds did not go through my bank, copy of my cell phone bill showing that the phone number the bank has on file is not mine, copy of my email account details showing that I have been using the same email address since the XXXX 's and that it doesn't match with the email address that the bank has on file. I also provided a photo of my computer screen, showing my ip address and that it does not match with the ip address that the bank has on file. All of this evidence that I have provided XXXX XXXX XXXX XXXX and TransUnion LLC with should clearly show this account doesn't belong to me and was never opened by me PERIOD... I have also filed a complaint against XXXX XXXX XXXX XXXX and TransUnion LLC with the FTC. I find this whole process very frustrating and pointless. I have submitted the same exact information to the other XXXX credit bureaus XXXX and XXXX. They both have deleted this account form my credit file months ago with no extra effort or drama. I don't understand how a company can be so unprofessional, unhelpful and not willing to work with their consumers and resolve an issue that their other counterparts seem to have no issue in resolving?? Why does this credit bureau exist if they can't even resove something that is their job and that clearly XXXX other companies that they work with have already resolved and in record time may I add???
Product: Debt collection

I was called by Offices of XXXX along with my family members advising that I was going to be served with papers the next day. Then if I was n't there they would come to my job and notify my human resource manager. In addition they said I will need to appear in court if I am not there to sign for the summons .They told me I needed to make a good faith effort payment over the phone then sent me an email of terms I did not agree to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refuses to provide me the original creditor 's information, which supports that XXXX XXXX has reaged the account to keep on credit reports. The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). I am requesting the original creditor 's information again which I am entitled. It will validate when the accounts were opened and the payment history. I have never paid anything on the accounts because I have been XXXX over 10 years. The accounts are obsolete and if XXXX does not delete the obsolete accounts that they have reaged, I will be forced to retain legal representation against XXXX. XXXX   and Experian are not requesting the original creditor 's info which supports the accounts are obsolete. I have requested a validation letter from both on numerous occasions and they have ignored and refused. After this. it will be an intent to sue. The credit bureaus has the authority to delete obsolete information ; however they are refusing to conduct a thorough investigation. They constantly send a generic response saying valid which is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, 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
Product: Debt collection

We remitted payment to a vendor in their name at the remittance address they requested. The check was cashed ( less than {$1500.00} ). They claim they never received it. 

The Company XXXX repeatedly continues to contact our offices even though we continually informed them that payment was made and to stop calling our offices and that we consider the continued phone calls to be harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have deleted XXXX XXXX from my account because of inaccurate information. However, TransUnion has continued to break the Law pursuant to 15 U.S.C 1681 by reporting inaccurate credit information on my credit report. 

I have a letter from XXXX XXXX XXXX XXXX stating this account has a balance and past due amount of ZERO.

If the account has a balance of ZERO, then why is TransUnion reporting this account as derogatory?
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 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have had an account on XXXX for over 9 years. They offered a credit card program in the last 2 years, I took advantage of this offer and got approved for their credit card. It has been over a year I am using the card, and randomly they shutdown my account. They wont give me an explanation as to why, they wont let met pay my bill, I cant even login to their website anymore!! They wont respond to my emails, and my payment due date is coming up. I have called the number on the back of the card and they just tell me to login and pay the bill. What they don't understand is my account is blocked from logging in and customer support hasn't responded to my 7 emails in over a month. I have screenshots proving I cant login, and when I was able to somehow get a hold of someone that works within the company through social media, once they found out my account was closed, they immediately cut all connection with me and stopped responding. At this point I want to pay my balance off in full and have nothing to do with them anymore. ( in which I cant because im blocked! ) I really hope reaching out here gets their attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I continually receive  up to 30 m essages per day fro m Capital One c redit card company, trying to collect a debt. I am a person that lives on  XXXX  and this problem increases my  XXXX . I receive so many voice mail messages that it fills my inbox and I have missed very important medical calls and messages from my physician. Missed calls or messages from my care provides could result in delayed care that could be a threat to my life.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that was on my credit Report with XXXX and Exqiufax almost two months ago with XXXX XXXX Account # XXXX Late payments that was incorrect Eqiufax gave them 30 days to respond and they don't so Equifax send me paper work that it was verified that I had No late payments so, Two weeks later Equifax Placed the late payments back on my Credit Report. It is against to fair credit act to do so without a consent or notifying me before places inaccurate information on my Credit report I have asked them to notify me before doing so because I have had a fraud alert on my credit report in 2017.I need this off my Report in the next 10 business days or I will have to speak to my lawyer.Please contact XXXX and Equifax.Thanks