23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I completed a dispute request due to a charge on my card that I did not do. I put gas at the XXXX station in XXXX TX on Tuesday morning around XXXX and drove to XXXX TX XXXX work which is an XXXX XXXXXXXX  of XXXX TX XXXX While I was at work I received a notification that there was a pending transaction on my card of {$170.00} on Tuesday at XXXX. I immediately called my wife to ask her if maybe she has made this transaction and which she stated no that she was at work which is located in XXXX, TX. I reached out to Cash App and did a dispute. Since I did the dispute of course they cancelled my card and two days later the same merchant in XXXX, TX tried to get more money out which of course was denied because my card was cancelled. Now CashApp has stated that my dispute has been denied because that my card was present during the transaction. I don't understand how that is even possible if I was at work when that transaction was made and that store is like 2 hours away from where I was working and an hour away from where my wife works. Also, why would I try to make another transaction for {$1.00} two days later from that same merchant when I know my debit card was cancelled. CashApp is wrong for denying my dispute and I need this resolved as soon as possible.
Product: Money transfer, virtual currency, or money service

I accidentally pre-ordered some tickets on XXXX XXXX using my PayPal account I have not received any tickets they have taken about {$3000.00} from me and are holding my money ransom refusing to return it to me PayPal is not helping me they said that they will not be able to help me until after the day of the concert if they still did not deliver the tickets to me I bought them by mistake thinking that they were actual tickets and not a pre-order. The actual tickets on their website are only {$130.00} and they are charging me {$560.00} each ticket I bought four of them. They claim that you are not allowed to sell tickets that you do not physically own yeah here I am one of their sellers fraudulently took my money and they are not helping you refund my money and neither is PayPal.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 

Attached you can see the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts on my credit report are fragluent and should be removed immediately. I have completed several documents to provide support for my claim. I provided the FTC to show that these accounts don't belong to me and then I also completed CFPB that received no response. According to the law to protect consumers, after the investigation the documents are supposed to be provided to the consumer, me. The accounts in question are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. First off the results of the investigation were never shared with me. Secondly the production of a wet signature was provided. 

The claims that were not responded to with document are as follows : XXXX & XXXX - XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached are documents to support my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer of XXXX XXXX XXXX XXXX for 2 years. During that time I made one tome payment of XXXX $ then a monthly payment of XXXX $ with promise that I had access to a credit repair specialist- the CEO of the company working on assisting me with credit education , writing letters to credit reporting agencies, fixing discrepancies, and things of that nature. I was also assigned a specialist to contact and educate me on the program. After a year, I was constantly told that my specialist was busy or unable to speak to me, that things were moving, that y credit was not being repair but would take an extreme amount of time, then told that it wasnt bad, that my credit was on its way up, then all communication stopped. I attempted several times to contact the business, ask questions, gain clarity- I was told- we are working on it and you will soon see the results. Just strung along for another 6 months/ and of course I am paying. I then requested to speak to someone- thats when the trouble started. My emails werent responded to, I left messages on the social media accounts. I asked questions and was the blocked and removed from the program with no answers as to what was done with all if my money and why they were scamming me.
Product: Debt collection

Harris & Harris, Ldt. 
Has been harassing me and calling multiple times a day, stating that they are trying to collect an alleged debt. 
On Thursday XX/XX/2021, I was contacted by an agent, at first, this agent from Harris and Harris ( which at this time, I was not aware that she was actually from Harris and Harris a third party collection agency ) stated that she was calling from XXXX XXXX, and that she was attempting to collect an alleged debt from me, I proceeded to ask if she could send me this information through mail. The Harris and Harris agent 's tone of voice became combative and obscene. The Harris and Harris agent stated that this had been done ; and that this alleged account was now in collections. I then proceeded and asked for a debt validation letter. At this point is when this agent stated that she was from Harris and Harris, a third party collection agency. This agent stated that Harris and Harris could not provide a debt validation for me that I needed to contact the XXXX hospital, that Harris and Harris did not own this bill. I, knowing this information, asked for this agent from Harris and Harris to cease and desist any and all communication with me. 

VIOLATION A Pursuant to ( 15 USC 1692 ) Harris & Harris has violated my right to privacy, as I never contracted with this company, This company has my private information without my consent, I never granted this company permission to have my private information, and medical records. I never granted permission for this company to contact me. This is an infringement upon my consumer 's right to privacy, 15USC 1692, AND HIPAA violation.

VIOLATION B Furthermore, Harris & Harris violated 15 USC 1692 ( e ) and REGULATION F ( 12 CFR 1006.18 ( b ) ( 4 ) ) using false, misleading, deceptive representation. The Harris and Harris agent stated that she was calling from XXXX XXXX which was not correct or true. Misleading me and confusing me to try to collect information and money to pay an alleged debt. I did not have a clear understanding of who I was speaking to, Harris and Harris was misleading and deceptive. 

VIOLATION C Pursuant to 15 USC 1692 ( d ) ( 5 ) and 12 CFR 1006.14 ( B ) -1, Harris and Harris abused and harassed me in an attempt to collect an alleged debt by repeatedly and continuously calling me.

VIOLATION D Harris and Harris violated 12 CFR 1006.14 ( d ) by using obscene and profane language stating that an alleged account was in collections when I simply asked this agent to send this information through mail. 

VIOLATION E I, the consumer, have the right to request validation of a debt, Pursuant to 15 USC 1692 ( g ), and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ) ) Harris and Harris is not honoring my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have exercised my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that is listed on my consumer credit report : XXXX  XXXX XXXX disputed accounts # XXXX and # XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. In response to my previous request and complaint Experian responded on XX/XX/2020 stating that they have " verified '' the disputed XXXX  XXXX XXXX accounts. However, at this time my request is not about VERIFICATION, although these false accounts are obviously disputed - I am exercising my right to REQUEST INFOMATION REGARDING ITEMS on my credit report. 
Therefore, this is not a duplicate complaint or request.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/ XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX RE Account : Dear TransUnion I was reviewing my credit report and seen some inaccuracies on my credit report. You are reporting a duplicate account on my credit report that needs to be deleted immediately! As you are aware this is a violation of the Fair Debt Collections Practices Act or the Fait Credit Reporting Act. Please delete this item immediately. I know for a fact this XXXX XXXX account was not properly verified because this is not the original account holder nor have I received any documentation as asked prior showing the steps taken to validate this debt and an original contract with my signature. I want this account removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/XXXX I told the credit bureaus to remove addresses that appear to be incorrect on my consumer profile. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, Here is a list of incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / incorrect addresses ) There should only be XXXX address Listed on my report, which is ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Ca XXXX { INCORRECT ADDRESSES } 1. XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Single family XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Multifamily XXXX 3. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX 4. XXXX XXXX XXXX XXXX MI XXXX XXXX Single family XXXX 5. XXXX XXXX XXXX XXXX MI XXXX XXXX Single family XXXX 6. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : { Incorrect names } 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Once you have deleted the inaccurate names and address from my credit report, please send me a copy of my updated report XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion, XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear Transunion, XXXX XX/XX/XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Transunion regarding the following accounts on my credit report : XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX  Account Number XXXX, SXXXX XXXX XXXX XXXX- Account XXXX XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Transunion has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name.

Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Transunion delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Transunion provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Transunion. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Transunion will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Product: Debt collection

This company is leaving messages at my place of employment after telling them by phone to not call my place of employment because I could lose my job.The calls are still being made.My place XXXX employment tel. no. that I have asked them not to call is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I entered a covid deferral under the Cares Act. My payment was due XXXX entered the covid deferral current. XXXX continued to add property management fees, driving by my house as if I was in foreclosure. In XXXX of XXXX I started communicating with XXXX about my options after the deferral ended. I did not receive information on my options until XX/XX/XXXX. I continued to call the special assets department and there assured me that my account was in good standing and I needed to wait for my new agreement to take effect. They would put the XXXX that was deferred to the end of the loan with no interest, waive late fees, continue to report me current, and I was to start paying my mortgage payment again, starting XX/XX/XXXX. I paid my mortgage through my bank on XX/XX/XXXX and it posted to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I got my first notice from the credit bureaus that my account was reported as XXXX days past due by XXXX . They continue to send e statements that ask for the full XXXX balance which is again against the Cares Act. They are not allowed to ask for a lump sum at the end of the deferral. I followed the agreement that was sent to me XX/XX/XXXX. I have been in touch with special assets and loss mitigation over 40 times combined. In the last 5 weeks since being reported to the credit bureaus, I have called and called to ask for them to fix my credit. I am a new business owner. My business opened last month. I was counting on my great credit score to be able to get loans for the business. Instead XXXX caused my score to drop XXXX points and I no longer qualify for loans.
Product: Debt collection

Portfolio Recovery calls my number repeatedly, despite me not being the person they ask for/are trying to reach. I have told them I am not the party in question ( nor do I even know the party in question ) but they continue to call, sometimes more than once a day. I tried blocking the incoming phone number ( s ) but apparently they constantly change their incoming phone numbers, so this has not been a solution. I have repeatedly asked for their mailing address so I can send them a request to cease and desist, but they have refused and hang up on me. 

I am XXXX and this is stressing me out, going on for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in early 2017, XXXX stated that I was three [ 3 ] months behind. This is incorrect as my account was in deferment. I made several inquires and can never get through. I am in the process of possible employment, which they look at a persons credit for gainful employment. I need this negative remark removed as it is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may be a concern : I had a loan with XXXX  for around 1 year on address XXXX XXXX XXXX, XXXX CA XXXX. I have setup Autopay from my Saving Account and I have been paying my loan via autopay with no issue. Refer to my document attached for # 1. 

My XXXX  score has been over XXXX for many years until my loan was sold to XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. I have received letters that XXXX has bought out my loan. Refer to my document attached for # 2.1, # 2.2, # 2.3. The letter clearly say the notice requires no action on my part, assuming the autopay will continue. 

Until I found out my XXXX score dropped in XX/XX/XXXX from my XXXX  XXXX XXXX report and found it the autopay was not working. I have immediately pay off all my outstanding payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I found XXXX XXXX XXXX has not reached out to me for this issue and resolve. 

I filed a credit review to XXXX and not able to resolve this. Please refer XXXX 's response on # 3.1, # 3.2. and # 3.3 for your reference.
Product: Debt collection

I was using paypal for long time and i always paid my bills, but I was scammed and I contacted to my bank and I informed about the problem, because some people took XXXX plus XXXX from my bank account and my bank was investigating and they resolved the problem and sent me the money back, now I got the notification that I have to pay that money that.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had my son 's lab work done in XXXX XXXX in XXXX XXXX, MI. I intended to pay on spot, but they did n't take the payment since it was near the closing time. Today I received a letter from Law Offices of Donald R. Conrad in XXXX MI that XXXX reported me to them for collection. I see that in the address my apartment number is wrong! 

Now I realize the clerk at XXXX must have entered the wrong apartment number. Since I did n't get any paperwork on that day, I was not aware of the mistake. They sent the bill to the wrong address and without even giving me a call, they sent it to the collection agency. And it is just {$45.00}! There are so many bills I need to pay, I rely on the service companies to send me bills and I pay them on time. 

I called the lawyer office, it goes to a voicemail, telling me to leave a message. But the prompt keep repeating and does not take any message. I then went their online payment system and made the payment. 

XXXX first entered a wrong address for me, did n't call me i.e., they did n't utilize all contact information I gave them, and then sent just {$45.00} for collection. It is a very aggressive and unfair treatment to their customer. It was not the first time we went there, and we paid dues in time all the other instances. I am really worried they are going to cause a dent in my credit history through their atrocious act. Not to mention they shared my information with a third party in the process. 

The Law Offices of Donald R. Conrad also did not bother to contact me via other means. And they set up a faulty telephone system where you are prompted to leave a voicemail and no voicemail is taken. 

XXXX these offices lack commonsense that a clerk may enter a wrong address and they should try other methods of contacts first. What if I missed this letter too? I see someone corrected the account number by hand this time. 

Also XXXX has a faulty system where they have to take information in every service point. We went there several times. Had they have a central system for contact information, I did n't have to deal with this. They could pull my information and verify with me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX & XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Capital one auto finance keeps reporting this account to my credit profile as a charge off but havent provided a 1099 for this account.
Product: Consumer Loan

Simm Associates phoned my husband 's cell phone and my residence attempting to collect a debt in my deceased father 's name, threatening to sue me and file a negative credit report on my credit record, if I did n't pay the debt. The loan originator has n't contacted this company for debt collection. This company contacts consumers threatening a law suit if the debt is n't paid. The company does n't forward debt payments to the loan originating company. They keep all money/payments they receive for a debt. This company has numerous complaints filed against them for fraud and scams. This is a third party debt collection company, that does n't represent the loan originating company. This company is a fraud and scam.