23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2021 i called Discover Bank in order to let them know of fraudulent activity in my Credit card account. At this point they seemed to one to help me with an investigation on the fraudulent charges. I explicitly told them that i was at that point a victim of Identity Theft and I had filed an FTC report and had open a Police report as well. All this information was provided as well. Nevertheless today for the third time I am fighting to not pay {$16000.00} that I did not even spend. My card limit was {$9000.00} and the person that stole my identity and credit card digitally was able to take out that amount. In addition to this and all the information and paper trail I provided to the investigators they state i am still responsible of paying a debt that I did not accrue because i can not proof that it wasn't me that made the transactions because my identity was stolen. There were numerous bank accounts attached to my Discover account that were not even under my name and not even that is enough. They have continued to even auto-debit payments until I stopped them, its gotten to the point were i am actually struggling to get by. In multiple occasions i have also stated that while my phone was stolen I had attempts of people impersonating me with my information to open accounts over the phone in other loan companies. Discover is the only company holding me accountable of a debt done via identity theft. They have even stated they would sue me or find any means for me to pay a debt I did not make,
Product: Debt collection

I received a bill for medical services by XXXX XXXX rendered on XX/XX/XXXX a couple of months ago. I spoke with XXXX XXXX several times to have the remaining balance after insurance paid using my HSA card. On the third attempt with XXXX XXXX they were able to process a payment using my HSA card. 

I received the most recent bill dated XX/XX/XXXX which doesn't show the HSA card payment, but shows a balance of {$110.00}. It also says " Please contact our office within 10 business days to avoid possible collection action/and or ... '' 10 business days from XX/XX/XXXX would be XX/XX/XXXX. This bill was received on XX/XX/XXXX. Last week I sent in using the remittance stub and enclosed envelope a payment of {$50.00} which as of today has not been debited from my bank account. I intend to pay the {$66.00} remaining balance when I am paid again on XX/XX/XXXX. 

Yesterday, I received a collection notice from United Consumers , Inc. dated XX/XX/XXXX which is less than the 10 business days the XXXX XXXX statement mentions possible collection action. Further it shows a balance of {$110.00} and {$12.00} dated XX/XX/XXXX from XXXX XXXX. These amounts do not align with the statement from XXXX XXXX XXXX dated just 7 days prior. Lastly, in the United Consumers , Inc. letter it shows two charges from XXXX XXXX  dated XX/XX/XXXX for {$2.00} and {$37.00} ( 48 days ago ) which I have not even received a bill by XXXX XXXX XXXX. 

XXXX College of Virginia ( XXXX ) is a division of XXXX XXXX University and was changed to XXXX XXXX several years ago to reflect it is one institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained to Equifax many times and desputed that   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Account #  XXXX  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Account #  XXXX  are duplicate accounts. A Equifax representative said The  XXXX   XXXX  had been removed from my Equifax credit file, this person lied it is still on there.     Equifax must hire misfits from o ff the street, for e mployees. I do not trust the Equifax Organization.       XXXX   and  XXXX  are much more Professional, honest and organize.     Please investigate my entire Equifax cred file.
Product: Credit card or prepaid card

Upgrade is not an honest operator. This is not like any credit card I've ever heard of! 
After using the XXXX XXXX Card from Upgrade for my expenses in XXXX, then making a $ XXXX payment by phone because the online system wouldn't take it, ( it wants to make you wait for the due date to suck every nickel out of you ), I found out Upgrade 's payment system never allows you to pay before due date, and they were running interest from the moment I swipe. So, on XX/XX/2022, I paid my full balance of {$54.00}. By the afternoon of XX/XX/2022. I owed Upgrade {$.00}. 
I called them. They said, " The interest keeps running while your payment is processing. '' I made them take the XXXX payment by phone and close my account. I was assured this would be the end of my association with them. 
Unfortunately, I forgot to delete the card from my XXXX XXXX account and {$.00} was charged to that Upgrade account today.

HOW? Upgrade swore my account was closed. Why wasn't that payment simply denied? I am XXXX  and XXXX. These people should not be allowed to pretend this is a credit card. It isn't. It just a scam. And they just lie to you and let you think you've stopped them, when you're still on their hook.
Product: Checking or savings account

I was scammed into sending money who I thought was XXXX XXXX support on XX/XX/12 and my bank wont issue my money back that was used in a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID Theft in last 2017. I contacted all the credit bureau 's and Equifax is the only bureau refusing to comply with Federal laws, after I sent them a copy of ; 1. Fraudulent Student Loans Accounts Reporting on Credit 2. Copy of police report 3. FTC Identity Theft Victim 's Complaint and Affidavit 4. Letter stating the accounts are fraudulent Equifax, did not verified the accounts within the allow time ( 30 days ). They sent me a letter dated 45 days after my request for them to block all fraudulent accounts. Equifax refused to accept my documents and refused to provide me any proof of the accounts. 

I am a victim and they are trying to treat me like the criminal and I am unable to move on with my life because of this.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian Credit Bureau due to their refusal to allow me to dispute multiple inaccurate address on my credit report. When I attempted to initiate a dispute, Experian claimed that the issue was due to a security reason ; however, when I contacted their customer service, I was informed that it was actually because I had previously tried to dispute the address online and that the dispute had allegedly been " verified. '' This explanation is both false and misleading, as the original dispute was never resolved to my satisfaction, and I was not provided with adequate information or documentation to support their verification process. XXXX actions are obstructing my ability to maintain an accurate credit report and causing harm to my credit access. I request the XXXX assistance in compelling Experian to fulfill their obligation under the Fair Credit Reporting Act ( FCRA ) to properly investigate and correct inaccuracies on my credit report.
Product: Credit reporting, credit repair services, 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 u.s.c 1681. These are the name XXXX XXXX XXXX XXXX # XXXX. State of Michigan XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX # XXXX ( 2 ) 15 u.s.c 1681/ section 602 A States I have the right to privacy 15 u.s.c 1681section 604 A section 2 also States a constant reporting agency can not a account without my written instructions 15 u.s.c1681/c ( a ) ( 5 ) section startes ; no consumer redorting agency may make any consumer report containing any of the following items of information any other than records of conviction of crimes which antedated the report by more than 7 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 cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a human being, I have rights under 15 USC 1681. 

XXXX and Transunion are govern by 15 USC 1681. And they have violated my rights numerous of times.

I demand the accounts listed below be deleted. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX and Transunion written permission to furnish these accounts and inquires. 

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

I have hard inquiries on my report that I have no knowledge of authorizing : XXXX : XXXX - XX/XX/XXXX ; XXXX CARD - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I may be a victim of identity theft.
Product: Credit card or prepaid card

I went into a branch on X/XX/17 and made a CASH payment with a teller. My payment processed on X/XX/17, however my available credit has not changed. According to the representative and then supervisor I spoke with this morning, they are still verifying my payment. They said it is still pending and the hold will drop tomorrow, unless they contact someone at the branch and verify. I waited for them to call, but nobody at the branch answered the phone. 
They take 9 days to verify cash transactions? They also did the same thing when I made a deposit through the atm into my checking account. I had to call and wait, and then go through verification that a deposit of CASH was made. 
They are sitting and holding peoples money.
Product: Debt collection

This company has contacted me numerous times saying I owe them money last time I was contacted was XX/XX/23. I have asked them for the contract that was signed with my wet ink signature and the billing statement and they have failed to present this information to me. I have told them to stop contacting me via mail if they could not send the request contract with my wet ink signature. I have disputed this information numerous times and even gave them the chance to provide me with the debt validation and I still haven't received it.
Product: Checking or savings account

I received a letter from Wells Fargo Bank stating that they couldn't verify my identity to open up a new deposit account that the information was submitted online. I never did this I never submitted the application online didn't try to open any account with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, and XXXX  in XX/XX/XXXX via certified mail and initiated a dispute because I am a victim of identity theft. I received my disputes back and the accounts were block from my credit files. An Account listed as WF/Preferred Cust Acct in the amount of {$6200.00} was placed back onto my credit files showing 47 late payments/Charge Off with 9 on times payments. I followed up with the bureaus about it and wanted to know why the account was replaced back onto my credit reports. XXXX  stated the company provided them with proof, so I asked them to provide me with any banking accounts or debit cards that made payments to WELLS FARGO. I never received anything from the bureaus or Wells Fargo. Today XXXX  alerted me that Wells Fargo added another late payment on today XX/XX/XXXX to the fraudulent account listed onto my credit reports. I have proof that the account was deleted/blocked from all three credit bureaus. I was never notified by any of the credit bureaus that the account was going to be reinstated on my credit reports or why.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Loan was sold to Shellpoint Mortgage around XXXX of XXXX. Since that time I have been unable to access my online account after multiple attempts over the past several months dealing with there Costumer Service. The fact that I am an Essential Employee working 12+hrs per day ( Out of State ) in an industry that is vital to Our Health and Environment, it is often hard for me to spend the necessary time Shellpoint requires with hold times, misinformation and unknowledgeable customer service at times. Their customer service has been little to no help with any major or minor issues, and no access to escalate a call or issue to be expedited. Your only options are to send emails to departments and wait for a response that seems to never come. Ive been relying on the pay by phone service to make all of my payments with Shellpoint mortgage. On XX/XX/XXXX and XX/XX/XXXX of XXXX when I called to make a payment the automated system showed a XXXX balance. I discounted this as I must have already paid my balance earlier in the month with the payment that was made in the middle of XXXX. I thought nothing of it until I called in XXXX to make my next payment and it showed two payments due. I immediately paid both and called customer service the following day. On XX/XX/XXXX a the representative I spoke with told me that everything was fine and nothing was going to be reported to my credit. On XX/XX/XXXX I received a notification that Shellpoint had reported the missed payment to the credit bureaus. On XX/XX/XXXX I contacted Shellpoint who said I can only email the loan servicing department at Shellpoint with my dispute, and wait for a response from them on the matter. I have yet to receive anything other than a confirmation they received my email that says Do Not Reply. I have contacted costumer service twice in the last two weeks to try and resolve my Online Account issues again. They submitted my issues to there IT department, and stated that there is an issue with my account that IT needs to debug. I still have not been contacted for that issue. My bank, as of XX/XX/XXXX, stated that Shellpoint has not even updated my payment status with the credit bureaus since XX/XX/XXXX. I called and spoke with a representative who said she was sending a request to have that looked into also. This company has falsified information on numerous occasions, and will not correct/update my credit report. This has been my worst experience with a mortgage company in the past 14 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to the fact I changed my email COMPRIMISED may be much confusing to CFPB but needs to be addressed in reguards to my exsisting complaint # XXXX I wanted to add XXXX not only did a switch and bait advertising tactic I clearly have a snap shot 1 # stating by creating and reestabilish a credit Card CREDIT LIMIT XXXX XXXXthey lied only XXXX line of credit # 2 XXXX statred would not pull inquirys or pull a report because I am a exsisting customer ' they lied the pulled 2 Inquirys HARD INQUIRYS back to back poroving they are in bed to damage and refrain from me obtaing offers
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to XXXX, XXXX, and TransUnion regarding the correction of several inaccuracies on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX directly to XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX XXXXXXXX, and XXXX XXXX. 

As of today, the credit reporting agencies ( XXXX, XXXX, and TransUnion ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that an incorrect collections balance from XXXX Collections was reported for {$760.00}. I have contacted XXXX XXXX who was the original creditor, the collections agency reporting the debt, and even my insurance company to see if there was any debt from XX/XX/year>. None of them can provide anything, the original creditor and my insurance company have absolutely no record of how this debt was incurred and both have their own active investigations opened right now. The original creditor has no record of what the collections agency is reporting and has escalated their investigation to the highest level. I disputed this with XXXX, XXXX, and TransUnion and all XXXX disputes were denied twice in a row within just a day or 2. I even called and told them what was happening while the 2nd disputes were still open. I have now opened all 3 disputes, for all 3 bureaus for the 3rd time. Their lack of research is appalling, I have done all of the research on my own and gotten this being investigated with the creditor and even the insurance company completely on my own while all 3 credit bureaus have repeatedly said its been confirmed accurate by the collections agency. This confirms that none of the 3 credit bureaus bothered to so much as contact the original creditor for proof of the debt, if they had then they would know that there is no debt they have any record of reporting for me from XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX, XXXX inquired XXXX XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXXnquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 and XXXX, XXXX inquiries on XX/XX/2022. 


The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

Noticed a negative report on my XXXX XXXX account. Something was kicked to XXXX XXXX for collections for a card I have no knowledge of. It was apparently taken in XXXX of 2020. In 2020 I filed a police report for ID Fraud through the XXXX XXXX Police Department after being told that someone had been collecting unemployment in my name. I have other issues that came up thereafter that I believe are associated with the same party, .but filing disputes through XXXX XXXX XXXX not resolve anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm very upset! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Regularly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been above and beyond the expansion time frame given. I have exhorted you on in excess of 3 distinct events. I'm beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. In the event that you don't eliminate this mistaken data quickly I will document a formal complete with the Government Exchange COMMISSION! I'm staying aware of the entirety of my reports and types of correspondence with you on this matter simply in the event of recording an objection with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Association Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. On the off chance that your next reaction to me is anything but a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Reasonable Credit Detailing Act isn't erased I will proceed with my FTC objection. As shown by the Reasonable Credit Revealing Demonstration, Area 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the primary stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a novel buyer contract with my imprint on it XXXX that you have on the archive for the record recorded underneath. 

Your powerlessness to firmly check these records has hurt my ability to procure credit. Under the FCRA, wrong and mysterious data should be erased from a buyer 's credit report.
Product: Debt collection

The account was placed on my credit report by global radius for XXXX XXXX. The amount is approximately XXXX dollars. Several disputes have been filed thru XXXX and XXXX. The debt collector states that this account is accurate and belongs to me. I've lived in XXXX and XXXX  in my life time. This account originates from Minnesota. I've resided at my current address for XXXX  years and this fact has been established on my credit report. I've placed a fraud alert on my credit and still received this on my credit and it still has not been removed forcing me to pursue other steps to rectify this situation. Hence this complaint with your agency. The credit bureaus submit my complaints but can't explain why this account is still on my report.