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

I was listed as part of the XXXX XXXX XXXX from XXXX  XXXX XXXX XXXX. It was recommended to login to experian and put a freeze on my credit requests. I tried logging in and didn't have a valid login. I then tried to create an account, and it fails to let me login. 

When trying to login with email address and the newly setup password, login fails. States to call customer support at XXXX. I call the number, it picks up, and then hangs up about XXXX seconds later. 

I've been trying since Friday ( XXXX ) to login to freeze my credit request and it's not working. I'm concerned someone will open new credit accounts in my name.
Product: Money transfer, virtual currency, or money service

i was sent a third party check in the mail it said to deposit it to my account then follow the instructions ( XXXX XXXX ) it said to go to XXXX and XXXX to purchase a {$500.00} XXXX XXXX gift card from both stores and observe the staff to see if they were helpful did they wear a visable name tag if so what was their name how long it took to check out and did they say thank you. so i did all this. then it said to send proof of purchase afterwards make sure they're activated and to keep them for my next assignment and the {$450.00} was my payment. then a few days later they sent another check and i tried cashing it just like the first one but chime wouldn't cash it and later that day they said the check for {$1400.00} didn't clear and i was responsible for it. so now my account is in the negative and i don't think it's my fault they're the ones who deposited the money into my amount it's their job to make sure the check is legit. how would i have known it wasn't? they wont remove it ive sent them all the emails texts screen shots of everything. i've reported to it to a few places. i don't know what else to do. the person that scammed me said their name was XXXX XXXX they said they were a XXXX XXXX company the email is XXXX and they're still sending checks emails and texts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions explained to this company that this is not my issue. I have reported identity theft to all other agencies to include IRS, Social Security, other creditors, USPS, etc. and all have resolved this issue. This company Portfolio Recovery will not listen and continues to harass and damage my credit. Looking at my individual credit reporting, all is exceptional except this XXXX  company. They even have me living in a different state. I am looking into my legal ( lawsuit ) options. They need to get their act together and stop the harassment and damage!
Product: Mortgage

I am a short sale negotiator with XXXX. I have been hired by the sellers to facilitate a short sale on their property located at XXXX XXXX XXXX XXXX XXXX XXXX Oregon. I have submitted all documentation that is needed to process the short sale for XXXX however they keep insisting on giving them something that is not possible based on our local RMLS. That is an agent view of the MLS indicating how many days the property has been on the market. In order to go around this, I have submitted the full view of the MLS which shows when the property was listed as well as the a history view of the MLS showing the full RMLS history and dates listed or changed to SSP status. This does not suffice to the negotiator and she refuses to remove or postpone the Foreclosure sale date of XXXX XXXX only if I give her something that I am unable to give her given the tools we have here. I have tried explaining this to her via email, a generic email is returned asking for the same thing, I have tried calling, leaving messages with her, my messages have never been returned, i have tried calling into another rep or a manager and nobody can help me. 
This homeowner is trying to do a short sale with a buyer on the property and an accepted offer meeting the investor 's guidelines but now we have this issues that is being ignored from US Bank and not addressed as time is running out.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. They list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it 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 item of information, other than the records of conviction of crimes which antedates the report by more than seven year.

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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was invlove in a card accident this the only reason why i wasn't to manage my payments for the month of XXXX and this Month XXXX that is why i am requesting and have requested if the Late payment mark on my account can be removed. You can view my credit report i have never been late on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Trans Union in reference to XXXX. I did part of it online and because I had to gather up and make copies ofsome many documents, ( 45 in total ). I spoke with one of the reps over the phone and said that I will be mailing documents in reference to XXXX because they had inaccurate information. On XX/XX/XXXX, I managed to get all my documents together, made additional copies, numbered the pages, provided enclosures before mailing them from the post office from XXXX XXXX XXXX, XXXX XXXX NY because that was the closest place at an XXXX  's office that I work on Thursday from XXXX to XXXX as an independent XXXX. I mailed it to the correct address : Trans Union Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX My file number for this dispute is : XXXX The customer rep claimed that they closed this dispute on XX/XX/XXXX. They should have received this dispute by Saturday, XX/XX/XXXX. 
Originally, the investigation was to end on XX/XX/XXXX. I provided my documents within enough time for them to review them. However, the inaccurate in regards to XXXX still remains on my Trans Union credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX  XXXX - 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. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - 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. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - 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. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX OF XXXX - 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. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - 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. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX  XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a XXXX of XXXX police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting or other personal consumer reports

Company has unlawfully reported unauthorized information to the credit bureaus, which is illegal and inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving phone calls of harassment, profane and abusive language, death threats, threats of wage garnishment, threats of arrest and being sent to jail and prison for over 3 years from XXXX XXXX XXXX for a fraudulent auto loan account and debt thats not my account or debt. The account and debt is fraudulent and is the result of identity theft. XXXX XXXX XXXX is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota State law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, MRS BPO LLC reported a collection of delinquent payment to the credit bureaus, on behalf of a collection for XXXX XXXX This apparently relates to an account opened on XX/XX/2023, and which remains unpaid in the amount of {$530.00}. This is not my account and has no relationship to me ; therefore, the reporting is erroneous, or fraudulent. I do not have now, nor have I ever had, an account opened with XXXXXXXX XXXX. The obvious evidence against this erroneous report is that there is no credit inquiry and no credit account activity reported on my credit report. Moreover, due to multiple identity theft incidents, my credit reports have been locked at my request for years, and so no creditor can access my credit report with respect to any new request for new line ( s ) of credit. Additionally, I have had no contact from MRS BPO LLC and they have apparently made no effort to investigate whether this claim in fact relates to me ; if they had, based on the preceding information I've presented, they would recognize this claim is unrelated to me. Therefore, MRS BPO LLC is either in error or is contributing to fraud ; as such, and since this report is harmful to my credit score, which is exceptional, MRS BPO LLC must immediately correct this report with the credit bureaus.
Product: Debt collection

PCR INC. a debt collection agency is repeatly calling and harassing me after i told them to stop calling me. They have been calling me at least 4 times a day and after XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Money transfer, virtual currency, or money service

This is XXXX XXXX Paypal account email address is XXXX. 

I Received A Response To My PayPal Message Center Chat With A PayPal Representative On XX/XX/2021 At XXXX Saying That I Will Be Receiving A Email Around XX/XX/2021 Advising Me That I Can Withdraw My Funds. 
It's Now XX/XX/XXXX And I've Already Received The Email From PayPal Informing Me That I Could Withdraw My Funds But As I Expected PayPal Is Giving Me A Run Around Saying I Still Have To Wait 180 days. I've Already Waited 180 days, I HAVE Proof, One Is Actually Saved In My PayPal Message Center Incoming Box/ It Can Be Found As It Is Dated XX/XX/2021 At XXXX And It Was Sent By XXXX XXXX PayPal Representative. 
Also I Have The Email That I Received From Paypal Informing Me That I Could Withdraw My Funds Now. 

Even Though I Have Documented Messages Saved On PayPal 's Customer Service Message Center and A Email From PayPal, PayPal Has Told Me That I Still have to wait 180 days. PayPal Has Incorrect Information Regarding My Accounts Limitation, The Records PayPal Supposedly Saves Is A Joke. Every PayPal Representative I Talk to Tells Me Different Information About My account And Different Withdrawal Dates, PAYPAL obviously Can't Manage Their own Customer Account Data records. But PayPal Somehow Still Acts Like I'm The One Who Is Incorrect And I'm The Reason My Account Was Limited. 
The last response I received from paypal was a executive Escalations Department Representative Agreeing And Validating That A PayPal Representative Instructing Me To Create A New Account And Told Me When To try to Transfer Money, Knowing My Account Would Be Permanently Limited By Doing So. 
AGAIN The Representative Confirmed That It Was True That A PayPal Representative While On The Phone With Me, Instructed Me To Do Actions That PayPal Knowingly Knew Would As A Result Cause A Permanent Limitation. 

No Other Business Operating In The World Today Activity And Knowingly Persuades And Instructs Account Holders To Do Actions That Would Cause Said Account Holder To Have His or Her Account Locked. THIS SHOWS THE INCOMPETENTS, DISGUSTING BUSINESS ETHICS, AND FRANKLY FRAUDULENT WAYS PAYPAL OPERATES THEIR COMPANY. 
PayPal Knew The Actions They Instructed me to make would Cause my account to be permanently limited. 

PayPal should have a investigation Performed On Every Department And If An Investigation Were To Be Done On PayPal, I'm sure PayPal Would Be In Hot Water And Be in a lot of trouble. 

PayPal should be Shut down For Their Own Customer service representative Fraud And INCOMPETENTs.
Product: Credit card or prepaid card

On dispute are two charges dated XX/XX/XXXX : a ) {$1400.00} for a two-way flight from XXXX to XXXX by XXXX XXXX  XXXX b ) {$100.00} for flight insurance by XXXX XXXX. 
While tickets were issued, the airline cancelled the flight from XXXX and failed to inform me- I learned about the cancellation upon arrival to the airport. My ask from XXXX XXXX to be reimbursed for the services I had not received was bluntly denied. 

On XX/XX/XXXX I sent an email to the Disputes department of Citizens contesting the two charges mentioned above and enclose five supporting documents. 
On XX/XX/XXXX I received their response which sided with the XXXX XXXX. Reading their response, it was evident that Citizens had not read my original complaint carefully and was parroting the airline 's response. 

On XX/XX/XXXX I responded with a second letter to Citizens referring to all the flaws in their response. On XX/XX/XXXX I called Citizens customer service and we scheduled a call for the following day- nobody called. On XX/XX/XXXX I called Citizens again and they promised to call me the following Monday or Tuesday - nobody called. 

My experience so far with Citizens that they very ineffective. I wonder whether they have unwritten policy to favor large customers by driving ordinary folks like me to attrition.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2018 and a balance of {$0.00}. 
This account is completely Inaccurate this account was rightfully deleted from my XXXX report & is only reporting still here & effecting my life in a negative way. According 15 U.S.

Code 1681n states that any person who willfully fails to comply with the FCRA shall be liable for damages of up to {$1000.00} per violation. So before I begin to take legal action please take immediate actions on this account & remove it!

15 U.S. Code 1681i - Procedure in case of disputed accuracy : States that after reinvestigation of any information disputed by a consumer, the item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete this information. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Debt collection

Reached out to LVNV / Resurgent to request debt validation for incorrect information on my credit report in XX/XX/2025. According to XXXX. I requested a detailed list of payment history for this debt, The signed contract guaranteeing I would pay credit debt, I requested verification Id any insurance claims were filed on this debt and lastly I asked for proof that they have the chain of title giving them permission to collect on this debt. They could not provide proof.
Product: Checking or savings account

I opened a safety deposit box at the comerica bank at XXXX XXXX XXXX XXXX XXXX, CA XXXX United States. I was saving money in the safety deposit box for my kids futures. I have two newborn babies. I went into the bank and saw that the key lock was changed over to another direction and noticed that {$5000.00} was missing. I had both keys to the safety deposit box and the last time I was there the key lock was not in the opposite direction. After that my family and ex employers started to harass me in order for me to lose the savings I had saved for my kids. The bank currently owes me {$10000.00} due to the damages. I am currently suffering from XXXX due to all the actions of the bank.
Product: Mortgage

I am in defualt with Bank of NY Mellon serviced by XXXX, I had requested to assume my mother 's mortgage after her death in XXXX ( we lived together ). I was told I had to pay the entire mortgage upfront and could not. I presented the 'Garn St. Germain law ' and 'Successors in interest ' and then finally was told I could assume the mortgage and Modify the loan after many prior attempts. There was no way I could have paid all the money due, it was well over {$1.00} XXXX dollars ( from arrears, legal fees etc ) the home was significantly underwater - no pun intended. The market value of the home was at the time after Superstorm Sandy UNDER $ 400K due to massive wated damage in XXXX. I could not pay the modification for long in XXXX due to unforeseeable hardships. I asked for a debt forgiveness at Bank of NY Mellon - from the former CEO Mr. XXXX XXXX who only referred me back to XXXX. Now with Covid-19, I have had NO money coming in. XXXX aggresively began foreclosure proceedings with law firm in XXXX which required me to go to court appearances prior to Covid-19. With a scheduled date after Covid began, I had to appear at court XX/XX/XXXX. There was no notification NOT to appear, I went and the court, it was closed. I live in fear every day of losing my home where I reside with my XXXX. My husband is a deceased XXXX XXXX, I am a single mother and I have significant health related issues. I need help please. Thank you
Product: Debt collection

3rd party collections company is try to collect an old hospital bill reporting it monthly against my credit which is hurting it.
Product: Credit card

I have tried at least 7 times to use my credit card online in the past and I have errors for decline due to my Ally bank 's security measures which are blocking it and I have all the information for billing exactly the same and it 's a false problem. I keep asking for it to be fixed and it does n't fix. I have to deal with this XXXX over and over and over
Product: Student loan

The principle of XXXX of my loans was paid in full at the beginning of XXXX. However, there remained some unpaid interest on both loans. I have automatic monthly payments, disbursed by XXXX. The automatic payments did not go toward the unpaid interest on those two loans for an unknown reason. Likewise, I could not manually pay the loans as XXXX 's website would not apply a payment toward loans with no principle. I called XXXX several times and was told that what I was seeing on my profile was incorrect and the two loans were completely paid off. So I was left without an option to pay the unpaid interest and was told that loans were, in fact, paid. However, the credit reporting agencies were notified that I was not paying those two loans and was past due ( past due for a monthly amount of {$0.00}, per the credit agencies ). I worked with XXXX to remove the note on my credit report but the unpaid interest issue remained. 

This week, I logged into my XXXX XXXX I saw that the interest had capitalized for those two loans. Except now my profile states that they are delinquent, having been overdue since XX/XX/XXXX. Additionally, when I called into XXXX I was told that the automatic payments I am making now are in excess of what I owe and I am paying ahead. My last payment ( XX/XX/XXXX ) covered XXXX 's bill but was also applied to XX/XX/XXXX. 

I have been paying XXXX for years on a automatic payment that they encourage in an amount determined by them. It is wrong of them not to apply my payments to pay off debt due rather than over charge me and pay ahead ( of which I can't keep account of on their website ). I am concerned that many of my payments have been equally misapplied. 

Lastly, XXXX refuses to provide me with a summary of my contacts with them. They keep dates and notes of when a customer calls or emails. I have called two or three times a month on these issues for several months. It is noted in my profile but they will not share that with me.