23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by a company called DDR COLLECT. They stated I owe XXXX dollars from XXXX  with XXXX. I do have past debt issues but I do not have a XXXX dollar outstanding balance with XXXX. The representative was very calm, kind and convincing. He even texted me from his personal phone. He also added that they are not a collection agency, but they help save consumers in debt from being sued and if I dont commit to a payment plan to pay at least XXXX dollars, my file will be passed on to an attorney who will pursue legal action. He then sent me a form he wanted me to sign and authorize committing to paying monthly payments totaling XXXX dollars and that form did not even include a company header, any information stating that once I paid this amount I would be cleared of this debt. Before even signing the document I was already charged on my personal checking account. I had a credit repair done after I had those debts sent off to collections and everything was fine. To my knowledge you are not allowed to pursue anyone for any debt after 4 or 5 years. I was tricked
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several open cases and have not had any results from this fraudulent information being removed from my credit report. I am keep being told this information has been verified by a 3rd party vendor they use for Public Records. According to my attachment below - ( marked : XXXX XXXX XXXX XXXX ) Transunion states on their web site any " Bankruptcy information collected prior to XX/XX/XXXX the public record information is verified via XXXX XXXX '' I spoke with a manager XX/XX/XXXX @ XXXXXXXX XXXX MST. I told her I received yet another result stating this has been verified- By Whom they will not release this information to me. I have asked several time and have been told " We CAN NOT release who verified this information because we just know its a 3rd party company. ". I told her will according to your site it states who you verify this information thru based on dates information was collected is that not accurate and put there to mislead consumers. She could not answer me there and continue to state " IT'S BEEN VERFIFIED '' that's all she can say. 

I have told her i have been trying to remove this from my credit for over 4 years now. I am not just calling to waste time. This has been stressful and they will not take any action. I have filed a police report and I have file a complaint to FTC and also filed a complaint with CFPB 3 times now. 

As a consumer I have rights and for Transunion to continue to deny me those rights and listen to me state this is " FRADULENT INFORMATION and the person they are verifying this with also has fraudulent information in their system. 

According to FCRA statue- I can request a description of how this information was verified but I am being told they can not release this to me. I have this issue only with TRANSUNION.. I requested this also with the other 2 as fraudulent and it has been removed from my report.
Product: Checking or savings account

Periodically, usually in the evenings, I am not able to log in to my online banking, and the mobile banking is often not working. 
When I try to log in to my online banking, after I enter my password it gives me a screen saying it needs to verify my identity, which doesn't work. 
The first time it happened on XX/XX/XXXX it really scared me because it showed two phone numbers - mine and some completely unknown number. I was terrified and thought I was hacked. I called the bank next day, they fixed the log in, but couldn't explain where the number came from. I was not getting a log in code no matter how many times I clicked the button requesting it. 
Tonight XX/XX/XXXX at XXXX PST again I couldn't log in to my online banking. The problems with the log in were : 1 ) unable to select radio button to choose verification methods, 2 ) ignoring the fact that I requested to remember my computer and not to make me go through this again ; 3 ) I kept asking them to send the code, but they never sent it ; 4 ) there was a message on the screen saying that they called me with the code, but I got neither a text or call. I tried to log in from different browser, and from my phone, all attempts unsuccessful. 
Then I tried to check my balance calling the XXXX number, which according to PNC is supposed to take me to my account 24-7, but it did not. It did not allow me to access my account either.

I should be able to log in to my online banking or call anytime day or night without such issues! I spent a couple of hours each time this problem happened trying it over and over. It also causes my considerable anxiety that i can't see that my money is safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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: Credit card or prepaid card

paypal is jamming cards onto your account just like XXXX XXXX jammed new accounts. Today its very difficult to get through a paypal payment transaction without misleading popups tricking you to take a CC card.
Product: Debt collection

I have contacted collector, Medical Data Systems I, trying to obtain information on what the {$350.00} debt is that they are reporting on my credit, date opened XX/XX/XXXX. The collector only attempted using word tricks to try and get me to admit I owe this debt. I requested a detailed statement, and never received. I have disputed the collection with XXXX  3 times. All 3 times requesting supporting documentation for the unknown debt. The collector reported back to XXXX all 3 times as accurate, but still has not provided any detail to what they are trying to collect. 
XXXX disputes : XX/XX/XXXX # XXXX responded as accurate, no documentation provided. 
XX/XX/XXXX # XXXX responded as accurate, no documentation provided. 
XX/XX/XXXX # XXXX responded as accurate, no documentation provided. 
I have exhausted my attempts to remove this unknown debt from my credit report and can't get any cooperation from the creditor. I had an XXXX credit score until this collector has ruined my credit. I have no documentation to include with my complaint since I have no knowledge of owing this debt.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Hello, I would like to file a complaint against the Credit Bureaus Transunion XXXX XXXX, due to not properly assisting me. I notified the companies XX/XX/XXXX, in regards to a company named XXXX ( Formerly XXXX ), falsely reporting my account 30-59 late. The Credit Bureaus left the negative remarks on my credit report, after I advised them that XXXX sent emails stating my due date was different from the previous one. In addition, I submitted evidence supporting my dispute. The company sent an email stating my payment was due on XX/XX/XXXX, which i submitted a payment XX/XX/XXXX. However, when i submitted the payment, XXXX stated it was due XXXX and that I was over 30 days late. I advised the company that I received an email stating my payment was due in XXXX. Also, I stated that a representative in XX/XX/XXXX, stated my due dates would change, as the result of me being on the hardship program. I hope this issue can be resolved, as it has caused me a great deal of stress, due to my credit score has gone down over XXXX points & having to file disputes.
Product: Checking or savings account

Flooring was supposed to be installed in my home and a payment be made to the flooring company, flooring was never installed, but the flooring company took the money. My bank will not refund the money. USAA is allowing this business to steal {$7500.00} from me.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE WITH THE UNAUTHORIZED INQUIRIES! 

I have disputed these fraudulent inquiries multiple times with EQUIFAX and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately.
Product: Debt collection

Please provide this cease and desist notice to these crooks! I requested that XXXX XXXX XXXX XXXX XXXX office give me a hardship or charity fair write off for this {$30.00} copay!! I am off work on unpaid FMLA and have not been paid on six months. I dont have any money and am not paying it!!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXXXXXX BALANCED {$150.00} XXXX  XXXX BALANCED {$0.00} XXXX XX/XX/year>
Product: Mortgage

1. Loan is still not closed after 7 months. 
2. Operations Manager made several attempts to make our insurance company insure for the full amount of the loan and not just the dwelling as allowed by law. 
3. Calls and emails being sent to us after XXXX requesting that we need to sign the paperwork immediately. 
4. XXXX closing dates have been set up and we are still not closed. 
5.Repeated attempts to get us to sign documents indicating a 10 % interest rate instead of 4.5 %. 
6. Verbal statements as follows : " Just sign the paperwork. I swear XXXX that we will change it back to 4.5 %. 
7. Numerous delays due to their own negligence and errors.
Product: Credit card or prepaid card

US Bank closed my us bank altitude reserve card on XXXX XXXX, 2017 without notifying me. I did not found out till a couple days later when I tried to use this card for online purchase. I received an mail on XXXX XXXX, 2017, saying my card has been cancelled because I purchased gift card using altitude reserve card, and my points have also been forfeited.
US Bank is ridiculous to do this. I called them but they were not willing to help. This is really the worse experience ever, and US bank is indeed the worst bank ever.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX this company XXXX XXXX XXXX XXXX repossed my vehicle as I have been working with them to repay my loan and they told me no actions would be taken as they were understanding of the situation on XX/XX/XXXX I tried to contact them and no one would answer the phones this went on for about 10 days then I received a letter on XX/XX/XXXX stating I had until XX/XX/XXXX to come up with over 12,000.00 dollars and I truly do not owe that much as the loan amount was only {$3000.00} and they want four times as much yes my truck is fairly new and I have only had for about a year and have worked very hard to get this truck when I finally was able to contact someone at this office I was told that they could not help and would not tell me any information about my truck where it was they only told me that i had to pay the full amount by the 28th or else and it has been impossible to try to talk with company as no one answers the phone and will not tell me anything about my truck the auction is to happen on XX/XX/XXXX however I feel I don't owe the XXXX only the amount I borrowed and for them to charge this much to a military personal and go against the military lending act of 2006 they really can't hold the title for extending credit to someone this company is impossible to deal with and only want money if you don't have the money they want they refuse to talk to you first they told me that my truck would not repossessed as i was working with and keeping in touch with them and making my payments and I was reassured by several people that my truck would not be repossessed and one week later they took my truck leaving me to find a ride home as I was out at a meeting and the hardship they have placed on me being a XXXX veteran recently XXXX from the XXXX XXXX this whole issue has caused many problems for me and has taken away my vehicle that I need to get my VA   appointments and to school among all the emotional distress and the constant hardship and trying to reach out to these people is impossible and is truly making my life very difficult I know that I'm asking alot for you to do something today as the auction is tomorrow and I don't have {$12000.00} I have {$3000.00} that I borrowed please help as I stated I am a XXXX veteran and served 14 1/2   years in the XXXX XXXX XXXX but due to injuries sustained at XXXX XXXX XXXXXXXX after 2 deployments I truly don't have the means to get {$12000.00} like i said i have the {$3000.00} that i originally borrowed and am willing to paying some of the interest but not at 42 % please help as time of the essence and this company has done this many other soldiers and civilians as well this needs to stop as they are truly a con scheme and they truly don't want to work with you on anything and they are not honest as they lied to me about repossessing my truck please this is my only means of transportation and I can't miss my VA  appoints or school
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to send me any document bearing my signature
Product: Debt collection

contacted on XX/XX/18 that this debt was already paid and I never was sent info on it, they had the wrong address, and the medical company also had the wrong address, and the debt collection agency had the wrong address from the medical company, and the medical company had the wrong address from the hospital and no one verfied anything, plus the debt was fully paid by the hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

XXXX  Account XXXX XXXX XXXX XXXX XXXX  has violated my rights to privacy.

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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have no knowledge of a creditor or account that a collection agency is reporting on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX had in error added late charges to my account, when my account was zero balance and closed. They would not correct it. So, I filed a complaint with the New York State Department of Finance. Once New York State got involved, the balance was immediately adjusted to zero. But, XXXX continues to report to the credit bureau that I was late in paying for 3 months, while I was disputing the charges. They agreed with me when New York State got involved and made the balance as zero. But, why are they refusing to remove the 3 month delinquency when the charges were wrong and I did not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion stated verified but is reporting alleged account 2 times on credit report violation, XXXX XXXX XXXX and XXXX bank fail to respond to documents requested stating they do not have to send them false enclosed AFFIDAVIT OF FAULT XXXX XXXX and transunion ten days to respond back or any alleged obligation they think we have is null and void there after reporting without validation is a violation actual documents not hearsay paper work thats your opinnion.
Product: Credit reporting or other personal consumer reports

Had no knowledge of this account XXXX XXXX XXXXXXXXXXXX XXXX {$570.00}. AN FTC REPORT IS ATTACHED TO THIS COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from SYNCB/CARECR, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SYNCB/CARECR with no successful resolution. XXXX, XXXX XXXX XXXX  reporting me 30 days late in XXXXXXXX XXXX. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

XXXX will not remove two fraudulent credit inquiries that financial institutions made without my consent. These companies allowed an individual to apply for personal loans without verifying my identity and this resulted in a negative impact to my credit score. even though I am a victim of identity theft, experience continues to refuse to remove the two inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1ST FRANKLIN FINANCI XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX - Account # : XXXX XXXX - Account # : XXXX I am a victim of identity theft, and several collection accounts have been fraudulently opened in my name without my knowledge or consent. These accounts are causing significant harm to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and have fraudulent information removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau was notified about incorrect information on XXXX XXXX XXXX   credit report on XX/XX/XXXX as well as XX/XX/XXXX. The incorrect information is a result of a mistaken identity, collections in negative from a company called XXXX XXXX. XXXX XXXX has forwarded deletion requests of these items to both XXXX and Transunion. These negative items with pending deletion requests still remain as of XX/XX/XXXX. Deletion requests forwarded to the credit bureaus on XX/XX/XXXX according to the collections company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> XXXX Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX. 
Re : Dispute of Inaccurate Information in My Credit Report Dear XXXX, I am writing you to dispute the following information in my file. I have reviewed my credit report and have identified several inaccuracies. I am requesting that these items be investigated and removed from my report. The items I am disputing are listed below : Account : XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX  Account Number : XXXX Account : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Account : XXXX  XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. Please inform me of the outcome of your investigation in writing at the address listed above. Thank you for your prompt attention to this matter.