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

Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly?

1. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX  Account Number : XXXX Please ensure that all information is accurate. If not proven delete this immediately.

2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

3. Under 15 U.S.C 1681c-2-block of information resulting from identity theft XXXX  XXXX XXXX XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. " This account was PAID as AGREED. This should not be reported LATE since this is ALREAY PAID '' XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX  DC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed bankruptcy and the account was included in the bankruptcy, Security Services. I disputed the information on XXXX and it came back as verified correct. I called their customer service number and the rep said they would remove it and it is still there. I called back and they said they are unable to remove it because its been verified twice and to contact the consumer finance bureau to get it removed.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : Balance : {$230.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I put a freeze on my Equifax because of a security breach through the credit reporting agencies. Today, XX/XX/2019, I went to unfreeze my credit report and when I went to log in to my Equifax account, It wouldn't allow me. So, I requested to reset my password and they said to check my email. I never received an email, so I requested it again. I never received an email the second time. I called Equifax and the recording said I had to answer some security questions before I could speak to an agent. I could not understand some of the questions the automated service was asking, so I failed the quiz. I was able to choose the option to speak to a representative and they said there was nothing they could do for me because I failed the automated quiz. I asked to speak to a supervisor and she said the same thing. I asked to speak to a manager and she transferred me to XXXX, the manager. He quizzed me and asked for my address, social security number and multiple questions about student loans, department store credit cards and their minimum payments, honestly, about 15 questions and then asked me what my employment was listed on my Equifax. I told him my last 2 employers and that I have not worked in 10 years. He said I failed the quiz and he could not help me unfreeze my report. I gave him 100 % correct information as I was looking at my credit report! Aside from having to speak to 3 people and each telling me that I failed, I should be able to unfreeze my credit reports without having to contact anyone. They literally have my credit held hostage! We are getting ready to get a home improvement loan and I don't have access to my credit reports!
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX : I requested a security freeze via US Mail. Freeze was implemented. 
XXXX, XXXX : Requested security freeze be lifted via phone. Experian representative indicated it was completed. 
XXXX, XXXX : XXXX  with which I am applying for a mortgage indicated the Experian security freeze is still in effect. Multiple attempts made - all failed. 
XX/XX/XXXX : I requested the security freeze to be permanently lifted via US Mail. 
XX/XX/XXXX : I received an email from Experian stating they received my request. 
XX/XX/XXXX : XXXX XXXX with which I am applying for a mortgage indicated the Experian security freeze is still in effect. 

I can not get a mortgage because Experian is unable to lift the security freeze.
Product: Prepaid card

I have been unable to have access to my funds for about two weeks. the online banking statement is stating that i have a negative balance of {$1400.00}. How is this even possible and it is a prepaid card. Rushcard is a very crooked company. I have called for two weeks and the phone continuously hangs up on me.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXXXXXX has sold our mortgage 3 x to serving companies that want full payment of arrears paid up front and we could not due at this point around {$400000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXXXXXX, and XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXX, XXXX XXXX, and XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I have been receiving phone calls about a Debt that is owed to a Medical office out of XXXX Texas and I live in XXXX TN. I have never been to XXXX and I have never used this company 's services. I asked them to send me a bill in which they did.for {$5400.00}. I called the office and asked for the address to the Doctors office. That is when I found out that this is a Fraudulent company.
Product: Credit card

I returned items and they werent properly reported on my statement, I spoke with the company and they told me the new amount to pay after the returns were credited. I mailed in payment by check and they failed to post to my account. The next month I did the same thing and they again failed to post it to my account then I closed the account after paying over the phone. They are a predatory lender and tried to charge me close to {$500.00} in erroneous fees because of their errors.
Product: Debt collection

XXXX XXXX XXXX XXXX began calling me on XX/XX/XXXX regarding a charged off credit card consolidation account. I believe my account originating from Citizens Bank switched companies at some point prior to this. Up until about three weeks ago, it was being handled by a company called XXXX XXXX. I have six different unsecured accounts at the moment. Only one of those companies ever had the actual decency to write to me and e-mail me notifying me that they've sold the account to another company, and every other time I end up finding out through trial and error, but I digress. This complaint pertains directly to XXXX XXXX XXXX XXXX. 

I received their initial contact letter at the beginning of XXXX. I sent them a small monthly payment check and a printed response letter on XX/XX/XXXX. Part of my letter reads : " Please do not call me. I am NOT demanding that you cease all communications with me, but please only contact me in writing. '' Well, my bank records show my check cleared on XX/XX/XXXX, so I know there's no question on whether or not they received my letter. They tried calling me again at the end of the day on XX/XX/XXXX. On XX/XX/XXXX, not only did they NOT comply with my peaceful request to stop calling me, they actually escalated their activities. They called my cell phone again at XXXXXXXX XXXX They also tried to call my XXXX mother 's home phoneline a minute later at XXXXXXXX XXXX to start bothering her for no reason when she has nothing to do with my debt. They've been notified in writing to only contact me in writing. How much more blatant can they get? 

I've attached phone logs of all the call attempts for reference. XXXX also attaching a copy of my letter I sent them. My cell phone is set to forward unknown callers directly to voice mail without ringing my phone. It doesn't block calls. I have never spoken to XXXX XXXX XXXX XXXX on the phone personally, nor do I intend to. From my experience, phone conversations are where things start going wrong, and then everyone ends up debating over who said what later on.
Product: Debt collection

I keep getting letters and phone calls from a law firm named Rausch strum trying to collect a debt for XXXX XXXX I have no idea what this debt is and they have not provided what the debt is also XXXX XXXX  is a debt collection agency i do not have any outstanding debt with any companies and want the phone calls and letters to stop
Product: Money transfer, virtual currency, or money service

PayPal has informed me and this agency that my funds would be held 180 days. The 180 days is approaching on XXXX. My account balance in PayPal now shows {$0.00}. A debit was placed by PayPal on my account for entire amount. {$3700.00}. The transaction states payment to PayPal ; PayPal damages caused by acceptable use policy. This a fraudulent scheme in an attempt to steal funds belonging to me. I am needing a full refund ASAP. My 180 days is up. Time being of the essence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. 
Without my written consent Transunion and XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This account was fraudulently opened in my name without my knowledge by an ex spouse vindictively. The address that was originally on file XXXX XXXX XXXX. has not been my address for close to 5/6 years. I never received any info. pertaining to this account until I noticed one day the derogatory mark on my credit report. I have disputed multiple times on mult. platforms. I have made an identity theft report and sent that to the companys po box . Yet, still getting hit hard for a collection that is not mine. It has really taken a toll on my credit/family. I would ask to please delete this account in good gesture.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has be reluctant to remove old, unnoticed, and unauthorized items from my credit report I have sent in multiple dispute letters and have not taken any action. They also have not responded to me in the time allotted which is 30 days. I have sent in dispute letters in XXXX and XXXX, I am sending more this month it is now XXXX.
Product: Checking or savings account

I recently went through a divorce and moved all of my money from my joint account to my new Apple Savings account. I transferred XXXX to the apple account with no problem. 
I closed my joint account with my Ex wife and set up a new XXXX XXXX account - I tried transferring my money from Apple to XXXX and my account was locked. 

I called many times and have been told it's a confirmation issue. They told me that my number and name were not linked and that I needed to chat to my carrier. I chatted to my carrier and they confirmed that my name and number are linked. 

I called back several times and have been greeted with different answers - That they can't confirm my number, that my name is linked to an OLD apple joint account with my ex wife ( which she closed ) and that I just have to wait until I'm called back as my funds are frozen completely. These are my entire savings and I can't access them despite offering identity and more. 

I've called around 7x over the past 2 weeks and can't get any other answer except 'wait '
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I am a victim of identity theft Reason being I am unable to freeze my account, online due to the fraudulent entries on my credit report where someone fraudulently used my name to lease and purchase vehicles and vehicle tags. There are bank accounts last XXXX digit information of banking accounts in my name that I do not own.. 

I have never owned a vehicle in my life, I have never owned a drivers license never in my life since 2015 someone has been fraudulently purchasing vehicles tags and bank accounts in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Never left from my original home. Im not certain why i have this balance. Please help.
Product: Debt collection

I HAVE RECEIVE SEVERAL ATTEMPTS FROM XXXX FOR BILLS IN THE AMOUNT OF {$130.00} WHICH KEEP INCREASING EACH MONTH DATING BACK FROM XXXX/XXXX/2015 TO PRESENT.MY LAST PAYMENT TO THEM WAS MADE ON XXXX/XXXX/2015 BY CREDIT CARD IN THE AMOUNT OF {$28.00} FOR THE PERIOD XX/XX/XXXX TO XX/XX/XXXX. MY NUMBER WAS REQUESTED BY XXXX XXXX XXXX TO BE SWITCHED OVER TO THEM WHICH THEY REFUSED. IN THE MEAN TIME I WAS GIVEN A FREE PHONE BY ASSURANCE THUR XXXX WHICH GAVE FREE CALLS AND TEXT UNLIMITED STARTING XX/XX/2015. SO THERE WAS NO NEED FOR XXXX SERVICE ANY LONGER. YET THEY CONTINUE TO SEEK PAYMENT FOR SERVICE I DID NOT NEED OR USE. NOW THEY HAVE SENT ME TO COLLECTIONS ( PROFESSIONAL CREDIT SERVICE # ( XXXX ) XXXX COLLECTION AGENCY ACCOUNT ACCT REP PHONE # ( XXXX ) XXXX. I TRULY BELIEVE THEY ARE TAKING ADVANTAGE OF ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the XXXX XXXX XXXX XXXX Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$620.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I purchased a watch in XX/XX/2021 that I never received. PayPal refused to help me so I had to submit a dispute with my credit card. On XX/XX/2021, my credit card closed the dispute and charged me again for the purchase. On XX/XX/2021, PayPal claims they received a notice that my chargeback was approved and they submitted the money to my credit card. My credit card denies receiving any money from PayPal and PayPaXXXX has refused to provide any proof of the refund.
Product: Checking or savings account

On XX/XX/2020, I opened an account with Capital One with the intention of receiving a {$100.00} checking account open bonus. I firmly believe the account opening process is in violation of UDAP because Capital One required me to fund my account before telling me I was ineligible for the checking account offer. If I had known that I would not qualify for the offer because I currently or previously had a Capital One account, I would have never opened the account.

Capital Ones offer is misleading in that Imopened my account and funded it before I was told I was ineligible for this offer.

I called Customer Service at Capital One and talked to XXXX on XX/XX/2020 at approximately XXXX XXXX  EST. XXXX led me to believe that I misunderstood the offer and that the computer system would have told me that I was ineligible for the offer before it opened the account. This is incorrect. The account was opened, I funded it in the amount of {$300.00} and only then was I told that I was ineligible for this offer.

I have attached screenshots of the offer and the messages I received when I opened my account.
Product: Vehicle loan or lease

My daughter car was total out because someone hit her on her way to work. Driveway sent the insurance company a quote but it was not a quote to pay off the car. Driveway still have my daughter owing {$3300.00} and I co -sign for her. I would like to file a complaint because the company fail to quote the correct amount to the insurance company so the car could be paid off fully. Also, they was still reporting late payments on the car after the car was total out ( destroyed from the accident/ not drivable damage ). The car was total out and the company Driveway quoted the insurance company the price of the book value. I daughter XXXX XXXX XXXX because she had no transportation to and from work. They reported inaccurate information on my credit report and daughter credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a police report for identity theft for a truck i did not purchase or sign for..Since then i have been fighting with Santander Consumer USA for identity theft. I have asked for documentation and contract on XX/XX/XXXX with my signature on them to be sent to me.
Product: Money transfer, virtual currency, or money service

Company : WISE US Inc . 
Date of Transfer : XX/XX/2022 Amount of Transfer : XXXX dollars to XXXX XXXX TRANSACTION NUMBER : # XXXX I am XXXX XXXX XXXX, currently residing in XXXX  XXXX. I sent a XXXX dollars to my sister in the XXXX last XX/XX/XXXX, but until now she hasn't gotten any amount or credit in her XXXX Account ( XXXX ). 

They already debited the money to my account the day after I processed it. 

Can you help me to get my money back or can you be able to send it to my sister please. It's for her graduation. Idk what's happening. I am so stressed now. 

Please help me.. 

Call me at XXXX or email me at XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all late payment status to current