23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX  Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items were seen on my credit report which I found some erroneous remarks in each item. TransUnion has failed to properly investigate which leads to hurting my credit scores and my credit credentials. I am requesting to reinvestigate these items and feedback within 30 days with corrections and deletions of unverified and unauthorized items. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX continue to report an account on my credit report, despite the fact that it has aged out. Pennsylvania State Law has a statute of limitations on debt of four years ( 42 Pa. C.S . 5525 ( a ) ) and the last activity on my XXXX XXXX account was in XXXX, well past the statute. 

Although this has cost me financially, I am not seeking financial restitution, I simply would like to have the account removed from all three credit bureaus.
Product: Debt collection

I sent a letter to Amer Assist on XX/XX/2021 about a debt they owe. It has been more than 60 days with no response to this debt they owe. I cant wait forever for there response or payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an address in which I have never used? 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX is Reporting a inaccurate name : XXXX I XXXX XXXX is Reporting a inaccurate name : XXXX I XXXX
Product: Debt collection

The dates go back months - normally receiving calls that have a caller ID stating " XXXX '' with a phone number of XXXX. They usually do not leave any messages. The second number I listed is the phone line for my computer modem. One day I grew frustrated at the number of repeat calls and answered the modem phone - and they were asking for my Sister, who lives 300 miles away, outside of XXXX. We had not lived in the same house since we were children, nearly 40 years ago. I hung up on them. They then called my house phone, I answered and they admitted they were calling EVERY household in the State of Texas with our last name, even thought they CONFIRMED they had my Sister 's correct address and phone, and that they DID have a way to contact her, but they were seeking ways to harass any FAMILY members to get her to call. I did contact my Sister, and she contacted them. She found out it was about a disputed charge she had already RESOLVED with her local bank MANY months previous.

The calls have continued to MY home 300 miles away - but today they left a message, speaking to my answering machine addressing my SISTER as though MY phone was HERS.

I will be notifying her - but will you please contact the bill collector ( who is probably still calling all people with our last name around the state of Texas, as well ) and stop them? I already told them to stop calling back in XX/XX/XXXX.

The collection agent that is in violation who called today is " Specialist Right '' at ( XXXX  ) XXXX extension XXXX. I will be letting my Sister know so she can re-contact her bank yet again - but I do not have this company 's address so I could write them under the Fair Debt Collection Protection act and require they no longer contact ME. Please help.
Product: Debt collection

This collection agency " Pro Collect '' has placed debt collection information on my XXXX and XXXX credit which has lowered my score. I have called them numerous times and they have sent me a XXXX page, very heavily coded, letter which tells me absolutely nothing about this alleged debt. They placed this debt collection info on my credit reports BEFORE they even contacted me to collect the debt. I have told them NUMEROUS times, if they can show me where I actually owe this {$75.00}, I will be very happy to pay it. But they never bothered to show me. This is just not right. My credit has always been almost XXXX and it 's now XXXX. I want them to prove to me that I owe this debt or take my name off their list and clear up my credit score. These are very difficult people to work with here.
Product: Debt collection

Rent Recovery Solutions at 1945 XXXX XXXX XXXX XXXX XXXX, GA XXXX has been sending me collections notices in the amount of {$6900.00}. The collection has been reported as pasted due balance. I do not know this company I have never done any business with this company this company does not have a contact with my signature.
Product: Debt collection

I'M not sure on the date. But I order out of the catalog I got in the mail. I bought five bed spread, a bed skirt, pillow shams and a set of towels. And I returned it all back to the company. And the amount XXXX. And they never took it off my account. And I told them to fix it and I would pay my balance. And never would fix it
Product: Mortgage

I have been working with my mortgage company for a loan modification. On XX/XX/XXXX, i was denied for the loan modification and in the letter it stated that i had a 30 day right to an appeal. I submitted my appeal on XX/XX/XXXX and the documents had been confirmed received. Yesterday I called Shellpoint to confirm that there was no sale date on my home. I spoke with XXXX and he advised there was no sale date and confirmed that it was placed on hold. Today we received a call from XXXX XXXX with Shellpoint and he advised that the appeal was acknowledged and the sale date was scheduled for XX/XX/XXXX. After getting deeper into the conversation with XXXX he then realized that they had all the documents to review the appeal but requested that i send solely the XXXX so that he can send it over to underwriting. I just dont understand how i can be so misinformed and my documents to be so neglected considering the circumstances of foreclosure.
Product: Credit card or prepaid card

On XX/XX/2018, I used my back credit card to order a replacement ssn card for my daughter. Originally the online service said free, but then it ask for credit card information and I was charged {$39.00} to my account. I did not have all my daughters information, so I could not fill out the application. When I tried to cancel the transaction, I was told another company was who I needed to contact, not the company that took the money out of my account. 
The company that took the payment was Skrill USA. Inc.
Product: Checking or savings account

Unfortunately, I have been a victim of fraud and my information has been compromised on the dark web. I was recently XXXX from XXXX of XXXX until XXXX of XXXX. When I was first XXXX I had cash in my account, along with personal credit cards associated with this account. Upon being released from my XXXX my accounts were closed and there were no funds available in my accounts. I informed the bank that there was no way that I could have made transactions at this time of my XXXX and somebody had assumed my identity during this period ; additionally, I provided the bank with proof of XXXX and documentation illustrating these facts. However, the bank still has not released my funds and have denied my claim stating that I had made the transactions or given someone permission to make these transactions. This is untrue as I have not given anyone permission to access my accounts and funding. The bank has defrauded me out of my monies and has yet to restore me back to whole after I have been disputing the charges extensively. Additionally, the bank fails to properly communicate with you during the dispute process, destroying your credit, transferring you around to extensive offices and the staff fails to take adequate notes ; whereas, you have to be redundant stating the same facts after being on the phone for hours disputing fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau the documents needed and a letter fro an advocacy group helping me due to human trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of The Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX and XXXX. Please delete XXXX XXXX acct # XXXX bal. {$3400.00}. 

Thanks for your help
Product: Credit card or prepaid card

BETTWEEN XXXX TILL XX/XX/XXXX I RECIVED NET SPEND VISA AND MASTER CARDS ALSO ALL ACCESS NET SPEND CARDS FIRST HAD A PROBLEM LOGGING IN THEN SOME OF MY CARDS WERE NOT ACTIVATED YEAH RIGHT THEN I COULD NEVER GET ANY INFORMATION BOUT MY DEPOIST I WAS TOLD TO CALL USA GOV USA GOV GAVE ME NETSPEND NUMBER WAS TOLD THEY HAVE ALL THE INFORMATION ABOUT MY ACCT STILL U HAVE A DEPOSIT TO MA U NEVER HAD A DEPOSIT CONTACT THE ONE U ARE SUPPOSE TO BE RECECING BENEFITS META BANK TOLD ME THE SAME SO I GOT TIRED OF THE BACK AND FORTH I APPLIED FOR THE BENEFITS CAUSE I REALLY NEED THEM SECOND TIME WOW CAN U PLEASE HELP ME OH I JUST CLOSED MY ACCTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute online with Experian on XX/XX/2022. An account for XXXX XXXX XXXX was inaccurately reported on my account as a closed collection. I contacted XXXX XXXX XXXX and was told that I dont have an account in collections and they would contact Experian to have it removed. On XX/XX/2022 Experian closed my dispute as completed in accurate. I contacted XXXX XXXX XXXX again and was told again that I did not have an account in collections or closed. Experian did not properly investigate my dispute and has caused me a great deal of stress, Im having a hard time buying a home as a first time home buyer because of this inaccurate account that was placed on my credit report.
Product: Credit card

I received a letter from my bank, Bank of America stating that my transactions ( XXXX charges : XXXX of {$4100.00} from XXXX on XXXX/XXXX/2016, a XXXX XXXX of {$1900.00} from XXXX on XXXX/XXXX/2016 and a XXXX of {$500.00} from XXXX on XXXX/XXXX/2016 ) are currently past the time frame to dispute ( 60 days ). Which after some research I found out that I have up to one year from the date of the statement to dispute using claims and defenses. I was charged by these companies for services that were not provided as described. I am very upset the way they are treating me as a customer and not even give me the chance to dispute those. I did a previous complain here CFPB case # XXXX to see if they would at least open and now they sent me this letter so I am asking your help to dispute under claims and defenses thank you.
Product: Credit card or prepaid card

My unresolved dispute amount is for {$220.00}, the amount needed to make this complaint whole again. 
* I booked air travel on XXXX XXXX, XXXX to XXXX, CT, Confirmation Code XXXX, for XXXX XXXX XXXX ( flight # XXXX ) * I booked a reservation through XXXX XXXX for XXXX XXXXXXXX XXXX XXXXXXXX of XXXX for XXXX XXXX XXXX ( Confirmation Number XXXX ) on my Capital One Master Card for {$580.00} * Received e-mail from XXXX XXXX on XX/XX/2022 at XXXX XXXX  to Check In for flight on XX/XX/2022 * Received e-mail from XXXX XXXX on XX/XX/2022 at XXXX XXXX  that flight # XXXX on XX/XX/2022 XXXX to XXXX, CT was cancelled. 
* Called XXXX XXXX on XX/XX/2022 and received full refund of payment for cancellation of reservation XXXX ( XXXX XXXX  ) * Called XXXX desk to obtain full refund for cancellation of reservation XXXX since cancellation of XXXX XXXX flight was beyond my control. Booking.com/reservation desk only refunded {$340.00} to my Capital One credit card. 
* Called and started dispute with Capital One credit card for remaining amount of {$240.00}, the amount remaining from XXXX XXXX  refund due from {$580.00} charge to my credit card. Was issued a credit for {$21.00}. 
* Capital One continues to discharge the amount due to me {$220.00} for a refund of a reservation that was cancelled due to circumstances beyond my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, and XXXX are all reporting information that is incorrect. I have filed disputes but the information continues to be on my credit report. I have documentation that the information that they are reporting is not from the original source. The documentation that I am presenting comes directly from Bankruptcy federal court in XXXX Kentucky.
Product: Mortgage

I took line of credit from washington mutual on XXXX/XXXX/2015 for the purchase of second home that was supposed to be investment property.I had given XXXX as down payment for the purchase of that second home and that money was given to me from washington mutual as heloc.due to crisis in real estate the value of that proprety went down and I could not keep up with a payment.House went on short sale, chase took house.At that time due to all my hardship I applied to modify my line of credit that was only interest rate loan.Chase never wanted to modify my loan but always prolonging the process asking for the new documents and proofs.I was sending on regular basis papers.I had case manager XXXX XXXX telephone XXXX ext XXXX. I was calling him every week to check on my case.In my desperation of not moving forward I paid some legal adviser and helper Colleagues in law to help me facilitate this loan modification.Legal adviser did not do anything for me but stole XXXX dollars from me.In a meantime Chase put me for foreclosure and not only that I did not get help to modify my primary residence loan but I almost lost my primary home.I had to file bankruptcy and pay XXXX more to stop foreclosure on my first and only residence.Chase always stated that I did not send the needed documents or some other issues blaming me and never admitted that the reason they did not modify my heloc was that they did not have any financial interest in it because my XXXX mortgage with XXXX is current and value of the property went up and equity building in my home, perfect for Chase to take my home and help themselves instead of helping resident of Florida attacked by mortgage crisis.
Product: Credit card

Chase Business credit card reported a 60 days missing payments in my individual credit report ; This is a business card that was opened for my business, and not for individual purpose ; however, after 5 years to open the account they just included the card in my credit report ; moreover, they reported that I was late 60 days which is incorrect. I have been making my payments on time for 5 years and even making payments higher of the amount that it was due. Chase business credit card services had a missing payment on the month of XX/XX/2024 ; however, the payment was made from one of the accounts that were linked to make payments to the card. This report is hurting my credit and my finances at this time. Chase did not report my good payment history for 5 years, but Chase report this mistake immediately, as i just open the account. It is very deceiving, and other people need to know that they can do the same with them
Product: Credit reporting, credit repair services, or other personal consumer reports

It's extremely upsetting knowing that you have somethimg in which is reporting incorrectly to credit report, especially with it not even with your name. Portfolio Recovery Assosciates are reporting on my credit report with the name " XXXX XXXX '' and it's not my name. This erroneous reporting account has hurt my chances of acquiring credit, to buy a home and acquire a desired job for a secure and sustainable life. This collection is completely invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX has been filed XX/XX/2019, they did not comply within 5-7 business days according to federal law.
Product: Vehicle loan or lease

On XXXX XXXX I was XXXX  in Washington XXXX DC. They took my car, wallet and phone. This held me up in paying my bills as I had no access to money, telephone.
Product: Payday loan, title loan, personal loan, or advance loan

Referred through, ironically, XXXX 
Applied for line of credit, was approved for {$2000.00}, signed to accept. Next screen signed I agree to XXXX XXXX XXXX final screen gave banking info. 
Then saw " were working on funding, typically takes 15 minutes. '' Then received email that I was denied. After signing their contracts and giving bank info.
Product: Debt collection

I was employed at XXXX XXXX through XXXX of XXXX. At that time, I spoke with Human Resources to discuss the amount of the original sign-on bonus that I was required to repay, and they said that someone would reach back out to me. The original agreement stated that it was a monthly pro-rated amount based upon months worked. I was employed at XXXX XXXX for 15 months and the agreement was based on 18 months. 

I did not hear anything from XXXX XXXX until XX/XX/XXXX regarding bonus repayment. At that time, they sent a letter, with an attachment dated XX/XX/XXXX, that stated the terms of repayment with the prorated amount being < {$2000.00}. I responded the next day on XX/XX/XXXX, agreeing to payback the amount determined and asked for an acceptable time period to repay the amount due. I asked if it was okay if I waited a pay period or two before repayment. I did not hear any response. 

Today, XX/XX/XXXX, I opened a letter from I.C. System Inc. ( debt collector ) attempting to collect $ XXXX on behalf of XXXX XXXX XXXX I called I.C. System Inc. and they were not able to provide any details upon request. The amount on the letter is extremely vague and the representative that answered the phone was vague as well. I have never received any other correspondence from XXXX XXXX indicating any debt owed to them at any point, other than the prorated bonus payback from above, so this seemed very bogus. Furthermore, the letter is dated XX/XX/XXXX, so it was sent before I received any correspondence from XXXX XXXX. 

I need XXXX XXXX to identify the justification for the $ XXXX amount owed. Or I need I.C. System Inc. to provide additional details. What amount was submitted to the debt collector and why? Was this related to the bonus repayment? I have not received any correspondence or justification from XXXX XXXX to this point regarding this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying of this student loan for years now and it is finally at a low point. I had contacted a company called XXXX XXXX XXXX to help consolidate my debt and claims they were working through the Obama Administration. I paid this company a lump sum, and continue making low monthly payments for close to a year. This company had changed my address and phone number on my original FedLoan account so they could n't contact me, so I never knew the loan was just sitting there hurting my credit. I am now trying to get involved in a class action lawsuit in hopes to get my money back. Currently I am looking to buy a home and this has hurt my credit extremely, therefore, it is only time that will help fix my credit score unless I can get this forgiven.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. Accprding to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ) there are specific permissible purposes for obtaining a credit report. I did not authorize these account XXXX can not find any permissible purpose under this section that justifies their presence on my report, hard inquiries,, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX