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

I have called at least10 times to try and get someone on the line to assist us. The automated phone keeps trying to make me verify with old information I am trying to update. Phones change and emails change all the time. I am trying to update mine. I am a senior citizen and need a real person to assist me. There process is not working and I have absolutely no human assistance. I will never get pass the verify to update my new contact and correct information, because Experian robo system, keeps trying to make me verify with outdated information. I will never get the text verify or the email. Both are incorrect. We are in our XXXX 's and frustrated with Experian process of phone numbers ( XXXX we have called ). with no human customer service. We have no access no one available to help me with updating my account or online support. You never get to anyone. Just keep getting the same phone run around in circles. It is really sad and ridiculous. We had to file a complaint, which we hope goes somewhere. We could not even leave a message to ask someone to call us back and help. Very frustrating for elderly people. 
A simple task of updating our own information, is a nightmare with a machine trying to assist and it can't, we need a live customer service agent to help us at Experian credit bureau. Supposed to be careful and diligent with our information. We can't even get them on the phone. 
This is the reason why there are so many data breaches. Machines can not handle all calls. Some require human corrections, such as ours. We need to update because of two data breaches. We can not even get a person at Experian. They are not abiding by laws, rules, or regulations if you can't get them on the phone. There is no support then with our personal information. This needs to stop.
Product: Debt collection

We have sued Ocwen and it's in litigation. The phone reps continue to harass daily for payment when none is owed.
Product: Checking or savings account

I received a letter from chase bank on XXXX that my account would be closed and Id receive a check with my funds. Its now XXXX and XXXX dont have my funds. We are in the middle of a pandemic this should illegal to hold my money for so long. Customer service is absolutely no help nobody can give me any information
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 different people that has used my social security number and got In trouble in two different states one was in New York and the other Arazona
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for 18 months. XXXX  XXXX XXXX is incorrectly reporting payments. I consolidated my student loan with XXXX in XXXX of XXXX, paying off XXXX  XXXX completely. When we went to buy a house in early XXXX, we found that they were saying I was 120 days late as of XX/XX/XXXX. When we submitted a dispute, they told us it was correct. I went to check the emails they sent to my mailbox on their system and they were no longer available because the account was closed. They continued to report it wrong until I finally a lawyer involved. So he started to challenge the entries on my credit report and every time he does, XXXX  XXXX XXXX  reports to my credit reports erroneously which then lowers my credit score even more. This is retaliation because we want them to report correctly and correct their mistakes. Eventually, they correct the mistakes, but it does not correct the damage they have done. It has happen again where they are saying I am 120 days late as of XX/XX/XXXX when they were paid in full in XXXX of XXXX. 

This is costing me the chance to buy a house and thousands in high interest rates. I don't know where else to turn.
Product: Credit reporting or other personal consumer reports

Today XX/XX/year> ) I do not and did not understand any of these bills except that the installer rep /door salesman stated {$42.00} a month!!! 
This notice says I owe {$26.00} past due, then now {$100.00}!! 
I want all these inaccurate information deleted or corrected not owning $ ( XXXX )
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a complaint XX/XX/XXXX about my credit report and XXXX XXXX XXXX  is reporting my personal information, I have never done business with them. Also, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission 2 XXXX XXXX XXXX to release my medical information. I am aware that HIPAA does allowed for limited information about me but anything more their XXXX XXXX XXXX is only to be revealed with the patients authorization therefore my request is to fold as follows. 
Validation of debt a HIPAA authorization.

1. Please provide breakdown and fees including any collection calls and medical charges from XXXX XXXX XXXX 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
Please notify me when the above items have been deleted I am also requesting an updated copy of my credit report which should be sent to the address and the email listed in this report
Product: Credit card

[ capital one & XXXX XXXX XXXX ] [ XXXX day of XX/XX/year>2024 ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, NY XXXX ] Dear [ Capital one & or XXXX XXXX XXXX ], RE : Computational Billing Error Resolution Affidavit I, [ XXXX XXXX ], hereby declare and affirm that I am submitting this Computational Billing Error Resolution Affidavit in accordance with Regulation Z, 1026.13 ( Billing Error Resolution ) for the following billing discrepancy identified in my utility account : 1. Account Number : [ Utility Account Number ] 2. Billing Period : [ Billing Period in question ] 3. Description of Billing Error : [ Brief description of the billing discrepancy identified, e.g., incorrect meter reading, overcharge, calculation error, etc. ] 4. Amount in Question : $ [ 474 ] I request a thorough investigation and correction of the billing error identified above. I understand that under Regulation Z, 1026.13, I have the right to dispute a billing error within 60 days of receiving the billing statement that contains the error. I am providing the following information and documentation to support my claim : - [ List any supporting documents, meter readings, previous bills, correspondence with the utility company, etc. ] I request that the credit company investigate this matter promptly and provide a written explanation of the resolution within 30 days of receiving this affidavit. I also request that any necessary corrections or adjustments to my account be made promptly.

I declare that the information provided in this affidavit is true and accurate to the best of my knowledge. I understand that providing false information may result in penalties or legal action.

Please acknowledge receipt of this Computational Billing Error Resolution Affidavit by signing below and returning a copy to the address listed above.

Sincerely, [ Customer Signature ] -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Acknowledgment of Receipt : I acknowledge that I have received the Computational Billing Error Resolution Affidavit submitted by [ XXXX XXXX ] on [ XXXX day of XXXX, 2024 ]. 

Utility Company Representative : ___________________ Date : XXXX day of XXXX, 2024 [ End of Affidavit ] This template can be customized and used by utility companies to process billing error resolution requests in compliance with Regulation Z, 1026.13.
Product: Checking or savings account

I went to buy shoes from someone who seemed verified he said he would give me a shipping label after I XXXX him XXXX dollars which is the cost of the shoes on XX/XX/25. He then blocks all communication from me and I call the bank to start a claim. Chase sends me a letter saying they wont do anything to him.
Product: Bank account or service

I opened a Business account w/PNC on XXXX/XXXX/2016 with a {$10.00} cash deposit. On XXXX/XXXX/2016, I deposited {$60.00} cash, giving me a total of {$70.00} account balance. On XXXX/XXXX/2016, after reviewing my online banking site, I saw no deposit for XXXX/XXXX/2016. I called business banking customer service & was told my account was in the process of being closed by PNC. There has been NO communication from PNC whatsoever to tell me why. I have initiated all communication with the bank, the branch & customer service. On XXXX/XXXX/2016, I again call business customer service to see what status my account is in, again I 'm told it 's in the process of being closed. I was told I could go to the branch & get my {$70.00}. I go to the branch was told that because the account was on hold & that a check was in the process of being cut, they could not give me my {$70.00}. XXXX XXXX, whom opened this account, called yesterday @ XXXX to tell me she would get answers to what 's going on w/my account. It 's now XXXX on XXXX/XXXX/2016, I 've still heard NOTHING from PNC whatsoever. I 've again left messages ( at least XXXX & XXXX emails ) w/the branch & with 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 XXXX XXXX consumer rights to privacy and confidentiality under 15 u.s.c 1681.. Account name... XXXX XXXX  ... Account # XXXX... .. Account Name... XXXX XXXX XXXX  ... Account # XXXX .... Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name .... XXXX XXXX XXXX .... Account # XXXX .... Account Name... XXXX XXXX. Account # XXXX ... Account Name ... XXXX XXXX XXXX XXXX  ... Account # XXXX .... Account name .... XXXX ... Account # XXXX .... Account Name... XXXX XXXX.. Account # XXXX .... Account Name... XXXX XXXX ... Account # XXXX XXXX Account Name .... XXXX XXXXXXXX ... Account # XXXX ... Account Name... XXXX XXXX ... Account # XXXX .... 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 an account without my written instructions.. 15 u.s.c 1681 c. ( A ) ( 5 ) section state : 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 records of convictions of crimes which antedates the report by more than XXXX years.. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccuracies on my credit report, which I have been unable to resolve despite my efforts. Specifically, I have noticed several hard inquiries on my credit report that I do not recognize, nor do I have any open accounts with the companies responsible for these inquiries. These inquiries are adversely affecting my credit score, and I have no knowledge of where they originated.

Furthermore, I have identified a few closed accounts on my credit report that I do not recognize. I did not open these accounts, nor have I had any prior dealings with the creditors reporting them.

I have attempted to address these issues with the credit bureaus, but they have failed to comply with the Metro 2 standards for reporting accuracy. As a result, my credit report contains erroneous information, and my rights under the Fair Credit Reporting Act ( FCRA ) have been violated.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. 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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XX/XX/XXXXXXXX XXXX Balance Owed : {$1900.00} XX/XX/XXXXXXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$110.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX : {$3600.00} XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX  XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX Balance XXXX XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX : {$3600.00} XXXX XXXX XXXX Balance XXXX : {$25000.00} XXXX  XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$110.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, XXXX and Transunion and informed each of them that information on my credit report is incorrect, specifically the spelling of my last name. In the section titled " Other names '' my last name was spelled " XXXX '' instead of the correct spelling which is " XXXX ''. Also my birth year was listed at " XXXX '' instead of " XXXX ''. I was on line looking at the report and identified the most blatant errors I am not certain if there is more. I was looking at the document online and I was unable to look at the entire document at that time. When I went back to try to pull up the information I was unable to access the credit report. Since that time I have requested all three of my credit reports and I have not received a copy of any of them at this time. I would like a complete credit report sent to my address from ALL THREE agencies so I can compare and contrast the information that is listed on all three of the reports. I need to identify all inaccurate information between each of the three reports.

One of the main problems I am having with these agencies is that is extremely difficult to get a live representative online. Every time I call I get put into a message system that forces me to select options that do not apply to my concerns. I am NEVER able to get in contact with a live representative. Another MAJOR CONCERN is that I am unable to access MY SOCIAL SECURITY account. Specifically, because " XXXX " has information about me that is NOT correct, which is preventing me from accessing MY OWN social security account. This has been going on for YEARS. I have had to go to social security over 8 times to get a password RESET which did not work because the credit information associated with my account is WRONG. I have had my password RESET about 4-5 times and the problem has not been resolved.
Product: Credit reporting or other personal consumer reports

This is not my account. ( XXXX XXXX ) Please investigate and verify my signature on this account. If not verified within 15 days please remove this account from my remove.
Product: Credit card or prepaid card

I applied for the XXXX XXXX issued by Barclays online on approximately XXXX XXXX, XXXX. My account was issued and opened on XXXX/XXXX/XXXX. Based on the information advertised online I was to receive XXXX bonus points after spending {$1000.00} on credit card charges within the first 90 days of the card being issued. I only received XXXX bonus points. I have made two calls to customer service this past week and was informed I will only receive XXXX. I stated to the reps. that is not the program and benefits being advertised on the XXXX/Barclays credit card site and the company is deceiving customers. None of the reps have been able to rectify the issue. I called on XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX, XXXX. I was transferred to various reps who said they could help me and to no avail. On XXXX XXXX, XXXX, I was transferred to a manager who said she would call me back and no return phone call. 

The second reason I applied for the XXXX card was the advertised interest rates. The lowest interest rate was advertised at 12.99 %, 20.99 and last tier 25.99 %. I have excellent credit anywhere from XXXX to XXXX 's credit score. I was issued 20.99 % interest. After calling back after receiving card, I was never given a reason why I was issued 20.99 % interest rate given my great credit score. No rep would give me a diffinitve reason of my interest rate. Only, well your a new customer! 

Please research Barclays and put a stop to false advertising for this credit card!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX
Product: Credit reporting, credit repair services, 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 blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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, credit repair services, or other personal consumer reports

I have disputed the XXXX  credit card account that Experian is reporting 2-3 times. Each time, Experian XXXX XXXX allows XXXX XXXXo report inaccurate information, changing the information reported each time. For example, upon updating the credit line was the investigation was completed ; it now reports my XXXX payment is 30 days -the XXXX payment is NOT DUE until XX/XX/XXXX. 
Furthermore, Experian XXXX XXXX continues to allow the account to report that the XXXX payment was 90 days late when- a partial payment was made on XX/XX/XXXX and another on XX/XX/XXXX ; so a payment due on XX/XX/XXXX was not 90 days late.
Product: Money transfer, virtual currency, or money service

Today I was working at a XXXX XXXX XXXX when two women asked to pay me via paypal for dresses they were purchasing. Each dress was for {$40.00} each. I've made several sales over the last few days with no issue so I assumed this would be the same. 

I invoiced them making sure to select that it wasn't a shipped item. They paid. I handed them their dresses and they walked away. However when I went to transfer the money out of paypal so I had food for my XXXX  and gas money, the funds were on hold until I updated tracking. I reached out to customer service for help. They told me that the customers would have to accept the funds or else it would be 21 days until I recieved them. 

I tracked down the customers in the XXXX XXXX and managed to catch them as they were leaving. Neither were willing to confirm and both joked that maybe they'd take the dress and the money by filing a claim since I can't prove I handed them the dress in person. 

I relayed all of this to multiple paypal reps. Only to be given the same scripted response that unless I can find a way to force 2 strangers to accept the item on paypal, I'll have to wait 21 days, and thats if they don't file a false claim. 

I begged and pleaded for them to release the funds and they will not. These XXXX XXXX are how I put food on the table. And this evening myself and my XXXX  are without money we desperately need because PayPal is protecting scammers instead of releasing funds. 

My account email is XXXX.