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

Happy XX/XX/XXXX For 3 consecutive months in a row, XX/XX/2020, XX/XX/2020 and XX/XX/2020 I have sent and mailed letters to the credit Bureaus to help either verity or remove some items I did not recognize as mine. They violated the law 3 times in a row and now I am seeking judgment. XXXX, Transunion as well as XXXX. My letters spell out the law clear and it is not confusing. 

Everything I sent was certified mail and they have received every one of my documents.

No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax portal to log into personal account to check status does not allow for login or creation of account for personal use, access to credit reports. I have requested this air in their system be corrected on multiple occasions over multiple months with no results always ending with the same closing of the complaint and requesting identification documents emailed. Documents were mailed mini months ago and confirmed by Equifax as being received and legible, no effect on updating my account problems. In the past I was able to log into my previously created account which they said they had to delete and start over again to fix the problem. They attempted to complete the registration process on their end for me and failed, escalating to the next investigation team. Currently if I try to login to my Equifax account, I get an error that I'm entering the wrong password. If I do a password help reset, the air says the account does not exist. If I try to open a new account it says the account already exists and I should login. This is an endless loop of nowhere and they've received all information required by me long ago. Then simply request it again and close my case. To square one with nothing functioning correctly for a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times to have this account removed from my credit report. The account is paid and should have never been reported. The confirmation number is XXXX for XXXX XXXX XXXX for account ending in XXXX. The account should be removed.
Product: Debt collection

Over the past 3 months, I have received repeated and incessant telephone calls to my cell phone number from a company called AMCA ( XXXX XXXX XXXX XXXX ). The calls begin at XXXX XXXX and do not end until XXXX XXXX. 

I called back the telephone number and asked a series of questions including verification of my address and date of birth, but the company could not find an account with this information. Therefore, I concluded that this company had no legal right to continue calling and leaving me messages over a debt which it can not verify or validate. I have not received any letters from AMCA pertaining to any debts and did not give this company permission to call my cell phone and harass me. 

When I added one of their telephone numbers on the XXXX XXXX XXXX XXXX list, the company continued calling using a different number and each time someone from XXXX leaves a message. The company is using fictitious United States physical and mailing addresses but the calls come from XXXX.
Product: Debt collection

Dear CENTRAL PORTFOLIO CONTROL This is my response to your notice about a debt. You report in my credit report information about a debt amounting XXXX XXXX due on XX/XX/year> to the original creditor XXXX XXXX lam not responsible for the debt you're attempting to collect. If you have proof and a good reason to believe that I am responsible for this debt, please mail me the relevant documentation, including ( but not limited to ) : Proof you are licensed in Connecticut to collect on this debt. Final statement or bill showing the amount I owe. Contract that I signed proving this debt is mine. Details about the last action taken on this account + proof. Please record that I dispute any ownership of this debt and stop all other communication with me and this address. If you stop collecting on this debt and forward it to a separate company, please let them know that I disputed it. Please also report my dispute to the credit bureau if you will report ( or already have reported ) this debt. This company snap keep selling this account with knowledge this account is not mine a present proof a dispute any ownership of this account
Product: Checking or savings account

I filed a dispute with Chime bank for two transactions. One transaction on XX/XX/XXXX for {$8.00} and another for a transaction on XX/XX/XXXX for {$1100.00}. I filed both transactions at the same time advising chime that the transactions were not me and they were fraudulent as my wallet was stolen at a concert. Chime accepted the transaction on XX/XX/XXXX acknowledging it was fraud and refunded me the {$8.00}. To my surprise the transaction on XX/XX/XXXX for {$1100.00} was denied almost immediately. I asked them why the transaction on the XXXX was fraud and not the one on the XXXX as of course if my card was compromised on the XXXX, why would it not be on the XXXX. They gave no explanation as to why they approved the one for {$8.00} and not the one for {$1100.00}. They gave me the option to file a rebuttal, so I did. In the rebuttal I even provided a police report I filed with my local police department saying my wallet was stolen and unauthorized charges. They denied it almost immediately again. Frustrated I am missing {$1100.00} which was my rent money I reached out. They said I could file a rebuttal again. I did so, and again next day denied. The quickness they denied the claim for {$1100.00} makes it seem like there was not even an investigation. Fed up, I closed my account, still missing {$1100.00} I trusted putting into the account. With that I had to get loans to pay my rent, and they made a final decision of not investigating my dispute. Highly upset. They advised me that they would send me over documentation that would show why they made the decision they made in 10 business days. A month later still no documents showing why they made the decision they made
Product: Credit reporting or other personal consumer reports

Im submitting a follow up to you today to inform you regarding my previous request of fixing the erroneous reporting. I already filed an FTC report in https : //www.ftc.gov, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Mortgage

Hello, I'd like to escalate an issue that I've been dealing with since XXXX. 

I posted my XXXX payment through your portal on XX/XX/XXXX. I received a message that it was posted on my account on XX/XX/XXXX. I was alerted on XX/XX/XXXX that the payment did not go through, and was charged fees. 

I've called Customer Service multiple times with no solution to the issue. I spoke to a Supervisor on XXXX, and explained that I received a notification that the payment was processed on XX/XX/XXXX so I should not be charged any fees. I asked her to send me documentation showing the supposed incorrect payment being processed as well as documentation showing the NRF fee. She mentioned she would alert Loan Servicing to send. All I received was a fee schedule, which itself is inconsistent. I called her extension to follow up on XX/XX/XXXX and XX/XX/XXXX with no response. In various of my customer service interactions, there have been inconsistencies with information that is concerning. 

I've consistently provided payment either early or on time, and this experience has been very disappointing. This incident is concerning and has led me to question the integrity of your company. 

I'm happy to provide any additional information to waive the fees charged to my account. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made this complaint numerous times with no results. I have provided the necessary documents to have these accounts removed and yet they still persist. Please review all attached information and act accordingly as required by law. These accounts are hindering my ability to obtain new employment and a place to live.
Product: Credit card

I attempted to pay online multiple times, can not call to pay as they will charge additional XXXX XXXX but was directed after third attempt. Was informed by supervisor that no late fee would be charged but if to call and it would be removed- paid XX/XX/year>. Called XXXXXXXX   after reviewing statement, told no, fee would need to be reviewed as I paid late. 

I stated that I attended to pay, could not online and why, that fee would be removed if charged and that calls are " recorded '' so check them ( XX/XX/year> ). No change in reply. Please assist in enforcing verbal agreement to honor removal of late XXXX XXXX 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX XXXX, XXXX and PORTFOLIO RC. 

RE : We have disputed this account.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - I received an email from Paypal stating that my PayPal account is permanently limited and no longer be able to receive payments or do anything with my money i.e {$7700.00}. 
I tried reaching them out customer service always said they are unable to help me with this and no longer will provide me any service. Their merchant department will contact me soon which they always contact me at the very wrong time when I am busy and they didn't even give me any warning or any kind of email stating if there is any problem. I sold electronics on XXXX and XXXX uses PayPal platform to run transactions so as a seller my money was paid by the buyer and they received the purchases product as well. After a month today XX/XX/XXXX I called them and requested to speak with one of the merchant associates names which they called me and the name of the associate was XXXX. I discussed the issue regarding my account limitation and what caused it. They explained to me that due to selling expensive item and it involves huge sum of money to be transferred they take a look at it as " high-risk industry '', I understand that selling expensive item can lead to dispute or other issues but therefore I never had any issues with buyers they always got the item they requested in a timely manner. If any buyer had issues I solved it right away with the help of XXXX, firstly Paypal has not mentioned anything about this with me before on this and one day they decided to take control of the money which belongs to me. While speaking to XXXX he said I have the balance of {$2400.00} that will be on hold for 180 days, and I tried to explain that I have more balance left in the account are {$5300.00} which he denied that he see none of that amount ( which Paypal have in their app shown in the attachment stating " manage goal '' which I use them to separate my money trying to keep my budget balance. He kept on arguing that I only have the balance of {$2400.00} and that only will be transferred to the bank and he is not aware of this PayPal " manage goal '' platform.
Product: Student loan

In XX/XX/2018, Nelnet changed their policies regarding how payments are applied. They now apply 100 % of every payment to the Group ( A ) with the highest balance. This means Group B never has a payment posted to it. I have to call every month and ask that they reapply the payment to both Groups A and B. I have submitted six complaints to Nelnet. Their initial reply was in XX/XX/2018 in the form of email and hard copy letter promising to apply my payment to both Groups. Leaving Group B 'unpaid ' results in interest accruing at amounts higher than the monthly payment plus interest accruing on top of interest ; thereby, making it nearly impossible to pay off the balance at a later date. Also, Nelnet automatically places 'unpaid ' debt into deferment or forbearance without approval from the borrower. They've done this to me in the past when misapplying another payment. I last spoke with Nelnet in  the beginning of XX/XX/2018and the man on the phone denied everything. He denied that Nelnet places loans into auto deferment and forbearance. Then he said that the special instructions regarding payment application on my account was not noted properly and it takes them two weeks to manually adjust my account. This phone call was 30 days ago and I'm still waiting for them to re-apply the payment correctly.
Product: Student loan

I sent Discover Financial Services a letter in XX/XX/2019 disputing the incorrect information, i.e., my name on my file. Discover Financial Services replied to a request stating that I needed to supply them proof that my name had changed. They are reporting my name as XXXX XXXX XXXX or XXXX XXXX. This has never been my name nor have I authorized such name change as, there is not supporting documentation that exists that shows this is or was name. 

Discover Financial Services can not provide proof of who initiated this name change, nor can they provide proof that this is not a fraudulent account, initiated by someone else attempting to use my name.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are allowing the listed companies to report fraudulent information on my Consumer report, I've contacted the Debt holders and ask to Validate the account information The companies continue to send me a bill Not verifying the account belonging to me. Per the FCRA section 609, 611 and the 605 this debt must be verified and if not validated it must be removed. I also Filed an Identity theft report with the Federal Trade Commission on XX/XX/XXXXXXXX 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 Addresses attached to me, they should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the recent data breach with Equifax the validity of the case having been truly investigated. Please remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inquires I didn't authorize. 


Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX   Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XX/XX/XXXXXXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XX/XX/XXXXInquiry from XX/XX/XXXX Finance XX/XX/XXXX Inquiry from XX/XX/XXXX Finance XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX   XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX   Inquiry from XX/XX/XXXX Finance  XXXX Inquiry  from XXXX XXXX, XXXX Automotive XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX Bank
Product: Credit reporting or other personal consumer reports

Data furnisher 's accounts and inquires listed below, have certified to the Consumer Reporting Agency. Information that is misleading, inaccurate, incomplete, unavailable or a result of fraud and or identity theft. Metro2 compliance violations. Delete these accounts now. 
( XXXX XXXX XXXX XXXX accounts ending XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ), ( XXXX XXXX  acct. ending in XXXX ), ( XXXX XXXX XXXX  accounts ending in XXXX and XXXX ), ( XXXX XXXX XXXX acct. ending in XXXX ), ( XXXX XXXX XXXXXXXX accounts ending in XXXX and XXXX ), ( XXXX XXXX accounts ending in XXXX, XXXX and XXXX ). 
Areas of these data furnishers reporting effected by this : Original Creditor Name, Creditor Classification, Term Duration, Portfolio Type, ECOA Code, Date of first Delinquency, Date Closed, Special Comments, Actual Monthly Payment, Payment Rating, Charger of Date, Date of last Payment, Payment History, Account Status, Account Type, Credit Limit, Highest Credit, Term Frequency, Segment Identifier, Account Number, Account Identification Number Change, Compliance Code, Consumer Information Indicator, Address, Name, Phone Number, Date of Birth, Social Security Number.
Product: Credit reporting or other personal consumer reports

Late payments are illegal according to 15 usc 1681 a ( 2 ) ( 1 ) under exclusions.

15 usc 1681aDefintions ; rules of constructions ( 2 ) ExclusionsExcept as provided in paragraph ( 3 ), the termconsumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 usc 1666b Timing of payments ( 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 to the consumer no later than 21 days before the payments due date
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a Victim Determination Document ( VDD ) issued by a recognized XXXX certifying my status as a trafficking survivor, as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number, a credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.