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

I am not liable for this debt with XXXX, I do not have a contract with XXXX, they did not provide me with the original contract as i requested. I request a copy of the contract with my signature. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In requesting documentation none was provided. Due to identity theft this should be removed from my credit report.
Product: Credit reporting

I have n't had any success in talking to this company. They 've got negative accounts that has been in my maiden name since XX/XX/XXXX!!!!! The XXXX account was opened in XX/XX/XXXX. I never applied for these previous accounts or gave anybody permission to do so either!!!!!
Product: Debt collection

I had a loan that was placed to multiple creditors. Ive been working with the other companies it went to and was told to stop payments until it was straightened. I had previously paid to these people, but stopped when I realized I was paying multiple people on the same loan. This company has been very scammy and downright illegal about it though. They didnt want to hear that the loan was with different people and failed to provide information such as when they got the account and other things that the other companies provided. One company in particular was great and super professional, trying to do this ethically and get to the bottom of it. XXXX  has been the complete opposite. Calling and emailing at all hours of the day, failing to provide me with information, and failing to find out why they are collecting on a loan I dont own anymore. The language is unprofessional, rude, and they clearly have no idea whats going on. The fact they are still trying to collect on a debt they know is being paid multiple times should be a huge red flag in and of itself. Very shady company. Ive attached proof of XXXX handling the account and them still trying to contact me with a settlement offer ( both the email and settlement offer attachment ) AFTER the fact. You can see the account numbers from the original loan match exactly and amount is the same. Seeing as the newest company took possession of the debt XX/XX/24, they are probably trying to collect illegally on a debt they dont own anymore.
Product: Debt collection

This debt was a glitch in the apartments system. They said it was glitch and it has been happening lately. This should be removed from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

So about a month ago, My Self Lender Credit Builder Account was hacked and my email and password was changed, so I contacted Self to notify them that my account had been hacked. Once I regained access, I noticed that there were multiple debit/credit cards attached to the account from an address in Texas that a random guy I dont know who used to do several payments and purchases for a phone game, XXXX. I notified Self and they ended up just closing my account, not being aware that this would indeed affect my credit score badly, they did not provide me with any further help when I needed it most. On top of that, my phone service was off for a while, so I was unable to call them, and only Email them. I have put over {$350.00} into my Credit builder account that just got randomly closed as well as my credit score being destroyed due to the fraud and hacking that took place. Please I need my credit score back! Help me! I checked online and there were a lot of cases of people being hacked on the same platform in the month of XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX claims that : XXXX ) Golden XXXX XXXX XXXX ( charge off ) Balance {$9300.00} is accurate after my dispute XXXX ) XXXX XXXX XXXX XXXX ( charge off ) Balance {$40000.00} is accurate after my dispute XXXX ) XXXX XXXX XXXX XXXX ( charge off ) Balance {$7000.00} is accurate after my dispute. 

I disputed said items multiple times in XXXX and XXXX and yet items still remain on my file even though they are inaccurate. 

Please help me resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Ending in XXXX Balance : {$0.00} Date open : XX/XX/XXXX This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account since the last year of XXXX and I keep getting the same response from the creditors and credit bureaus telling me that the reporting of this account is accurate. Well I say that their claim is disputed and denied, I received a letter from the creditor stating the exact date that this account was opened and it was on XX/XX/XXXX. However, it is reporting inconsistently in XXXX and XXXX, it reporting XX/XX/XXXX, in these two bureaus. I have attached the letter from the creditor for your reference.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$85.00} XXXX XXXX XXXX Balance : {$72000.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$72000.00} XXXX XXXX XXXX Balance : {$72000.00}
Product: Mortgage

I contacted Select Portfolio Servicing ( SPs ) last week by email requesting for a hardship forbearance due to the coronavirus. I am a XXXX. I have lost all my clients due to the pandemic and have no means of making any payments. 
I have been informed by SPS that they will foreclose on my house. They are insisting on my having a short sale or giving them the deed to my house. 
Congress gave $ 50b to corporations which SPS will get a substantial share of. 
My clients have lost their jobs, I have no source of income other than the stimulus that will coming from the government in the next one month. Right now, I am barely managing to survive with my XXXX children. 
This issue is nationwide and not peculiar to me. people are trying to make ends meet. There is no demand for XXXX  now. All the XXXX are closed. 
I want a hardship deferral to secure the house for my XXXX children and I. we want to keep our home and need SPS to work with us. 
In SPS 's response to my earlier complaint, they stated incredibly that they did not know where I lived. they claimed that they did not have any address for me. 
They know my address and know that I live in the home that I am trying to save. This shows their lack of good faith for them to tell outright lies about not knowing where I live or the address to contact me. I have had numerous written and verbal correspondence with them and they know that my address is the home that I am trying to save.
Product: Mortgage

XXXX XXXX I received a delinquent property tax notice indicating that my mortgage lender had failed to pay it through my escrow that was already established with them. It was a time sensitive issue so I paid the property taxes myself ( in the amount of {$360.00} ) and contacted the mortgage lender in order to have the funds reimbursed to me. I contacted them to explain the situation and have them remedy it but the rude customer service explained to me that it would take at minimum 14 days in order for someone to even talk to me regarding this issue which is a rather lengthy timeline and indicates that the company does not act in good faith towards resolving customer issues. After not having been contacted in that timeframe, I sent an email on XX/XX/XXXX directly to the lender explaining the issue and I received a canned response that they would forward the email and someone would get back to me shortly. No one has gotten back to me about reimbursing me my costs for their negligence and resolving the issue so that it does not happen again.
Product: Checking or savings account

Deposit was made to account on multiple occasions early and I used atm card to make purchases. At the end of the day they posted transaction first and then deposit causing over draft fees. Direct deposit were always initialy posted on each occasion then I charged transactions
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the TransUnion and XXXX Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. There is definitely an error with their part. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting

I have contacted Experian and XXXX both multiple times disputing fraudulent activity on my credit report from the University XXXX XXXX. This supposed agency claims I attended thier university back in XXXX, I was enrolled with XXXX University at the time they claim I owe them money. I have contacted University of XXXX numerous times about thier fraudulent reporting, I also contacted XX/XX/XXXX and XXXX with this information and sent Experian and XXXX both copies of the report. XXXX bureaus removed the fraudulent report and then placed it back for collections in XXXX. I dispute this account every 5-6 months and the credit bureau comes back and claims the charges are legitimate. I have asked for proof of my enrollment, this University has no signatures or proof I attended classes there, I was enrolled at XXXX University in XXXX PA at the time they claim I was enrolled. I have asked for proof as to who has provided thier legitimate proof but the credit bureau can not provide the information all they say is I have to contact the University XXXX XXXX for the information. Based on the lack to provide legitimate documentation as to who continues to keep reporting this information under XXXX XXXX XXXX Laws they either have to provide this information or remove it from my reports they have no signatures as to who is reporting this information all they continue to tell me is that it was verified as being ligitimate through investigations, okay, who did this investigation and who sent the information to the credit bureaus? These XXXX credit bureaus are ruining my credit. I have had multiple issues with Experian erasing my entire credit and placing my ex-spouses social security number on my report and changing my birthdate to my youngest son 's birthday so as to whenever I go to apply for credit it shows I am applying under false pretenses. I did speak to a supervisor about the issue and had my credit restored but once again, the University XXXX XXXX was back on my report. I have tried to refinance my home and get financing for a business through multiple agencies but have been rejected do to my credit scores and the fraudulent reports filed. I want my credit restored and the fraudulent accounts removed from my credit bureau reports and I want them to block anyone from changing the report in any manner either by a credit freeze or a block to keep these scam artists out of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} XXXX XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$95.00}.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Up until COVID, I was always on time with my mortgage. Once Covid hit, I got behind and they allowed me to do forbearance, not knowing it would for XXXX : take away my ability to pay online, making it harder to pay since I could only do it by phone and they wouldn't let me set up reoccuring payments by phone, and none of my banks have their information to sent it directly to them so I could set up auto pay. XXXX : End up hurting my credit the way it did. 

They also had a company come out and redo my loan for me, at my house and didn't give me much information to go on. 

After signing the paperwork, I thought everything was good with my current mortgage company, but apparently not, and I am now in foreclosure proceedings, with an auction date of XX/XX/2023. 

There is also a check for approximately {$450.00} out there that was sent back to me for a partial payment. I have not cashed it, have asked about it and no one has given me any information on it. I also filed this with a dispute in the amount owed to the mortgage companies attorneys, email sent XX/XX/2023 that was supposed to stop all proceedings until this was investigated, I have not heard a reply from them pertaining to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file many complaints with FTC regarding a macys account on my personal credit report. 
I have never had an account with any of these collectors/creditors. I have contacted them multiple times for proof of ownership but they have failed to send me the proper documentation to show that I own this account. Please delete this on my credit report immediately as it affects my credit standing.
Product: Debt collection

I bought a car through Ally Financial, lost mu job in XXXX of XXXX. I voluntarily surrendered the vehicle in XXXX. I called several times to have them to pick up the vehicle. Finally they came in XXXX to pick up the vehicle, but they put two late payments on my credit report. When I requested them to pick up the vehicle my credit was in good standing and I was up to date on my payments. I feel that they waited to claim the vehicle so that they could charge me for more payments. They finally picked up the vehicle on XX/XX/year>. I called they on XX/XX/year> to ask them for the Bill of Sale for the vehicle from the auction. The representative said that they didn't have this information at the time and they would send this information to me. No I have received a latter from them saying that I owe them XXXX. I haven't received proof of the sale from the auction.
Product: Credit card or prepaid card

PayPal 's website is not functioning at the moment. I have tried to file a tech complaint 8 times just tonight alone, and their website consistently reads error without explanation. I've not been able to link my bank account to their website for TWO MONTHS now and they do NOT provide live customer service. It's a chat or automatic answering machine and they are not helpful. I have accrued two late fees but nobody at that company is able to help. Their XXXX, XXXX, and XXXX accounts are FLOODED with customer complaints or scams and technical issues.
Product: Credit reporting

XXXX has false information on my credit report. I had XXXX credit card with this bank back in XX/XX/XXXX. I have not had any credit with them since. I filed bankruptcy against this credit card, in XX/XX/XXXX.they say I have other existing accounts that I owe them. and this is false info.Thank You
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dob : XXXX Sos : XXXX Experian Dispute Division XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Request for Investigation and Immediate Deletion of Unrecognized Accounts Reference Numbers : FTC XXXX CFPB : XXXX, XXXX, XXXX To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute several inaccuracies on my credit report and request the following actions : 1. Removal of Unauthorized Accounts and Items : There are multiple creditors and items listed on my credit report that I have no knowledge of and did not authorize. These items must be removed immediately. 


Disputed 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 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 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 - Disputes previously filed. 


Please investigate and address these issues promptly. I expect a response confirming the resolution within the timeframe outlined by the Fair Credit Reporting Act ( FCRA ). If additional documentation is required, do not hesitate to contact me at the address listed above. 

Sincerely, Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Today, I discovered incorrect accounts on my credit report, and I dont understand why. Upon my regular check of the report, I noticed these discrepancies out of nowhere. I attempted to refresh my browser to rule out any glitch, but the inaccuracies persisted. Therefore, I am asking for a detailed review of the documents I've provided so I won't have to worry about this issue again.
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items 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 are the following items which do not belong to me or were opened without my permission. 
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 Balance : {$14000.00} ; XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Balance : {$560.00} ; XXXX XXXX XXXX XXXX Balance : {$3600.00}. XXXX XXXX XXXX 
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.