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

I have been battling with Portfolio for months now concerning SEVERAL inaccurate accounts that they are reporting to the Bureaus. I originally reached out to Portfolio via the bureaus XX/XX/XXXX about accounts : # XXXX XXXX, XXXX, XXXX and XXXX The Bureaus each responded that Portfolio verified the information. I then reached out directly to Portfolio. In my initial dispute, sent XX/XX/XXXX to Portfolio I notified them of each account listed above were an error, and to investigate these accounts because they should not be on my credit report. Portfolio did respond promptly I then asked for VALIDATION and the VERIFICATION PROCESS XX/XX/XXXX. According to the FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. They didn't respond. I sent a reminder letter in XX/XX/XXXX still No response. The final letter I sent on XX/XX/XXXX which when portfolio responded they said my dispute was marked as " Frivolous '' and they would not " reinvestigate. '' The FCRA Section 611 Section ( a ). Details the procedure of the reinvestigation process. I am well with in my rights to request a reinvestigation especially when accounts are inaccurate. It has been over 100 days since I asked portfolio to reinvestigate and show me the physical verification in accordance to the FCRA Sec 609. This is way past the deadline that is mapped out by the law in the FCRA, outwardly violates my rights under the FCRA section 611, DISREGARD Section 609, and blatantly ignored the FCRA completely.. As a consumer I have the right to dispute inaccurate information on my credit report. I also have the right to a credit report that is 100 % accurate. Being that Portfolio has not sent me any documentation in accordance to FCRA 609 ( a ) ( 1 ) ( A ) I believe it is because they can not verify these inaccurate accounts. All of these accounts are unverifiable and inaccurate and should NOT be on my credit report. Portfolio has no documentation legally binding me to these accounts. They don't have my SSN on these accounts, they don't have any signature of mine on an agreement for these accounts, they don't have any government ID of mine related to these accounts, they don't have anything verifying that this account belongs to me. I have tried to be patient with them and handle this to the best of my ability. As of now I am making a last attempt to try to give portfolio the opportunity to do the right thing and remove all of these inaccurate accounts from my credit profile. IMMEDIATLEY!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have submitted a FTC prior to this complaint but the inquires still remain reported and not open for dispute I have attached the items I would like to dispute below as well as the copy the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have never been associated with the social security ending in XXXX that is furnished on my report as well as inquiries below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER.
Product: Credit card or prepaid card

I booked my yearly vacation with XXXX on XX/XX/XXXX. Within twenty minutes, XXXX charged me twice for the same trip and when calling them they indicated a glitch in their system and they credited me for the 2nd charge. This was fine and I planned to continue with my trip. On XX/XX/XXXX, I received an email from XXXX indicating that they canceled my trip and that they were not in a position to offer refunds, so I must contact my bank or credit card to pursue other options. On XX/XX/XXXX, I contacted XXXX  Citi card to file a dispute for three items associated with this trip ; the XXXX XXXX charge, the XXXX resort fee and the XXXX baggage fee that i purchased a week later. 

Citi provided a credit for my XXXX baggage fee of {$180.00} relatively quickly. About a month later I received a credit for the XXXX airfare charge. Finally, on XX/XX/XXXX I get a credit for the larger XXXX resort fee. However, on XX/XX/XXXX, i get a notice indicating they took that away because I already received the credit back in XXXX. I called again on XX/XX/XXXX and spoke with two individuals and explained that the original credit in XXXX was for being double charged with my initial booking. Both individuals agreed with this statement and I should get the chargeback removed and my initial credit ruling in my favor should stand. 

On XX/XX/XXXX, still no resolution. I can not begin to tell you how many hours I've spent on hold and talking to multiple individuals. I've also received notices that contradict one another. This has been the most frustrating experience of my life. This was filed for services not rendered and every single time I've called, I've had to repeat the same scenario over and over again. They all knew that bookit charged me twice for my trip and the credits in XXXX were to resolve XXXX alleged " computer glitch '' which caused it to be charged twice. 

This is almost {$1300.00} and I've already provided half back to my travel companion when it was ruled in my favor on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am writing to explain the circumstances surrounding the theft of my identity and the resulting legal actions. 

I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records. 
Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.
Product: Debt collection

Debtor placed collection account on my credit report after payments had ben made, and account was paid in full. requested deletion and was told will be deleted 60 days after payment received. account is paid in full and therefor should be reflected as such or removed.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that i had late payments on XXXX of my accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum accuracy. I Have never been late on payments for the account : XXXX XXXX or account : XXXX XXXX. 
Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE!. 
Thanks
Product: Money transfer, virtual currency, or money service

I attempted to buy concert tickets from an individual and tried to pay with PayPal and transfer the payment upon receipt. Since they were virtual tickets I needed to transfer without a tracking #. After payment the perpetrator did not transfer the tickets. Which I assume could have been a scam from the start. 
I have filed a complaint with XXXX about the following post. XXXX XXXX XXXXXXXX I have filed a police report in XXXX XXXX and want to know what can be requested for account holders placing fraudulent ads. I will be taking the lister to small claims court assuming I can get contact info. 
The # in question is registered via XXXX XXXX. XXXX XXXX : XXXX XXXX : XXXX XXXX, XXXX. 
I have filed a claim with PayPal in an attempt to get contact or bank information for the perpetrator. 
Basically I need FBI or local police to get the contact info from PayPal so I can take the fraudster to small claims court.
Product: Debt collection

A collection company XXXX XXXX XXXX XXXX XXXX, is currently sending me collection for {$490.00}. They sent me records indicating that a person called XXXX XXXX ( my name ) with address XXXX XXXX XXXX, XXXX XXXX, MI XXXX ( not my address ) owed this amount and they cite a charge-off date of XX/XX/XXXX. The original creditor is Comenity Capital Bank XXXX account number XXXX. This is the latest incident on a serious of issues that began back in XXXX when a data breach at the University I work for happened. I told the collection office about this and they asked me to send a police report, an affidavid, which I did. This was of no use. They still are trying to collect the money. The police office in my university is aware of this as it is the victims services at the university who are trying to help me. The police XXXX asked me to file this report with you. Just this morning ( XXXX ) the XXXX at the victims office told me that she had received a word from the police XXXX telling her that I had to file a complaint with police in the city I live. Which I will do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed credit inquiries on credit reports Didnt apply for credit with this company
Product: Debt collection

I have responded XXXX to their demand letters asking for validation of debt. They have not provided it and continue to delay by asking for more information from me. I have provide their account number and my name to them, and that has not been enough for them to validated the debt.
Product: Credit card or prepaid card

I have contacted your company numerous times to get this issue resolved. 
Pursuant to 15 USC 1681 ( 2 ) '' ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' SHOULD BE EXCLUDED FROM A CONSUMER REPORT.

The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction.

Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law.

Have these two accounts removed immediately from my credit reports. 
Account # XXXX - {$1000.00} & Account # XXXX - {$590.00}
Product: Credit card or prepaid card

I have been receiving this robo call in frequently since XX/XX/XXXX " Dear customer, this XXXX from Amazon there is a disputed charge on your Amazon account for {$720.00} in XXXX, Ohio. Please dial one to speak to a representative " This number is always a spoofed number starting with ( XXXX ) XXXX. I have pushed one and asked to be removed from their call list at least 2 times. StartingXX/XX/2021 at XXXX these calls increased in frequency to about every 15 mins to currently every 5 mins. I have pushed 1 and asked repeatedly for the calls to stop. The last time I pressed 1 to speak with someone there was a threat on my life " to put a XXXX  in me and XXXX me up. '' One of the calls that came through was not hidden. The number XXXX from XXXX
Product: Credit card or prepaid card

This is a small business XXXX XXXX with Bank of America. On XX/XX/20 I notices a daily stream on unauthorized purchases beginning on XX/XX/20 from " XXXX ; According to the XXXX XXXX XXXX this entity has nothng to do with law enforcement. 

Bank of America claimed to have launched a fraud claim. However, they will not provide an acknowledgement or indicate what if anything they will do in the meantime. Several customer service representatives and a supervisor have told me that they have 90 days to conduct an investigation and will not contact me in the interim. 

The last representative told me that this was their internal policy and that I could " XXXX '' the bank 's responsibilities on the law. I was also told that there have been a " rash '' of these complaints. 

I have not done anything wrong. I carry my credit card in a WPPL blocking sleve. I do not cache this card on any on-one internet site. How did they get my information and how can I protect myself if the bank won't act for 90 days. 

This policy can not stand and I need immediate relieve.
Product: Credit card

I paid my card down I got s credit for a late charge the infirmation you have as og XXXX XXXX th is not correct. My credit card thru bank of Americe was reported to you as of XXXX XXXX but is not updated on the XXXX XXXX XXXX report it does not reflect correct balance and does not shown payments made or credit adjustments. Please call me at XXXX
Product: Debt collection

There is a XXXX capital one credit card bill that isnt mine. I have explained this to the collection agency and the original creditor. This should not have been sent to collections in the first place. This isnt my debt
Product: Mortgage

I had originally filed a complaint on XX/XX/XXXX. [ Case number : XXXX ]. Their response to me on XX/XX/XXXX was as follows : " Ditech records reflect that you voluntarily applied for a modification review and, after completing the trial period plan, you were approved for a permanent modification. Once the modification is completed the account will be brought current. Ditech currently is waiting for the signed modification documents to be returned by you. 

If you have any questions regarding the loan modification process, please contact Ditech representative XXXX at ( XXXX ) XXXX extension XXXX " I 've called them in XXXX once I received the recorded modification documents with the XXXX. They assured me that the account will be updated on their system the first week of XX/XX/XXXX. By the end of XXXX, I still did not see my account updated to reflect a modification in place but instead it still shows that I am past due and late on my payments. I 've since them called them many times. One time they said that it will be updated in the beginning of XXXX. I called again in mid-XXXX and they said it will be updated soon because they are under-staffed. It is now XX/XX/XXXX and I still am showing my account not up to date. I demand that at this point they get my account updated because this is affecting my ability to apply for any credit or mortgage. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Cach LLC obtained this loan from XXXX. They sued me and were not able to recovery because the agreement was bound by arbitration. The judge dismissed the case. The note attached to the complaint was a form note with no amounts date or signature to validate the debt. Cach refuses to take this debt off my credit report
Product: Checking or savings account

I made a complaint in XX/XX/21 ( Compliant No XXXX ). 
I was expecting a response from Bank of America or from CFPB in XX/XX/XXXX, but nothing ... ..should i still wait for an answer or is this a waist of time?.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XX/XX/XXXX ( Sunday ) and received a verification result on XX/XX/XXXX ( Monday ). I disputed a bankruptcy claim on my credit file because it does not appear on my other credit files because it has reached its reporting limit. I disputed the claim because of reporting limits not inaccurate information. Transition returned XXXX  XXXX unsubstantiated claim of verification when and if the debt is being investigated appropriately, it would take up to XXXX days. I am requesting for the detailed documentation including contact information from the XXXX court of who verified the account and validated the date to warrant this item to remain on my credit file.
Product: Credit reporting or other personal consumer reports

I am trying to place a credit freeze with all credit bureaus however I am unable to authenticate into Equifax. I already have an account with them but my existing credentials don't work. I have tried calling twice to speak to them however I have never been able to get through to an operator as their offices are always " closed ''. Furthermore, trying to use their web portal to reset my password results in a " This request can not be processed at this time ''. I have attempted multiple resets and creating a new account but always get the same error. 

I am unable to place a freeze on my credit at this time and given this system is unavoidable I am concerned about identity theft.
Product: Credit reporting

I had a secured XXXX XXXX Credit Card with a credit line of {$200.00} for several years. Recently XXXX XXXX issued me a XXXX XXXX XXXX XXXX unsecured card with a credit line of {$500.00}. Since I received the unsecured card, I did n't think it was necessary for me XXXX have XXXX cards with the same company so I contacted XXXX XXXX to request them to close the secured account. The account was paid in full and they are sending me the balance that was left in the savings account that secured the original card. Immediately after I closed the secured account, my credit score dropped tremendously which I think is totally unfair. I am in the process of trying to qualify for a home loan and my credit score has been negatively impacted because I paid off an account and closed it to avoid having duplicate accounts with the same company. This practice seems totally unfair and consumers should not be penalized for choosing to pay off and close accounts.
Product: Checking or savings account

XX/XX/2022 I received an email stating my account was below {$100.00} which is was very unusual. I called BOA to see why this happened and was told the state of Illinois Sanitary Department and forwarded me to claims because I was extremely confused. The gentleman from claims told me he had no idea what was going on so he put me on hold and another rep came on the phone. The new rep told me to contact the number because they have no idea and to open a new account but the conversation was cut short due to be disconnected. I called back and a new rep informed me that my account was frozen for {$4500.00} from the state which was even more concerning. She also told me that fraud wasn't suppose to make my account credit only. This was done without informing me or with permission to protect my account. I was told to contact legal in the morning because it was now after XXXX. I received an email XX/XX/XXXX stating my email and phone number have been removed from XXXX because my account is closed. I call Bank of America to speak with a manager but was informed by XXXX that mangers are only in the branch. I have been a customer for over a decade and never have heard of such a lie. I had to call back to get another rep who told me that my account wasn't closed but put on credit only to protect me. XXXX a supervisor in check fraud & specializing from Oklahoma got on the phone but unfortunately had not one clue on anything. She kept telling me the hold was for XXXX but they only had {$600.00}. I asked her to do the math with me and she attempted to claim it was due to other purchases and that Bank of America will not allow me to speak to legal or give me anymore information on my account. I have proof of the amount that was taken out that brought my account to zero but she kept saying they now didn't know the amount until finally she stated I don't know. She also informed me they have a right to close my account because its the banks. Her math wasn't correct because it was opposite of with the account documentation attached and she refused to give me the proper department to speak with. She told me I have to hire an attorney to find things out. I've been given contradicting information from every rep at Bank of America, I need the correct information. I have asked several time times why they are altering my account and was told for my protection now its because they can. Emails state the account is closed which it should not be but the reps are saying its not. I was also refused the proper department contact information for myself or an attorney to reach.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  updated my credit report stating that I missed two payments since XX/XX/XXXX. My account has never been late and the account was closed due to it being included in a XXXX  XXXX Bankruptcy Petition. The Petition was filed in XXXX and up until that date, the account was paid on time monthly since its opening in XX/XX/XXXX. The account was included in the bankruptcy and therefore the account status should reflect closed and the missing payments notation needs to be removed.