23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ARA Inc contacted me by my company cell phone and the first thing they said was that they were going to file suit in XXXX County if I did not pay a supposed debt of {$24000.00}. Upon researching what little information I got from them the supposed debt was from 2007. XXXX XXXX XXXX did not have any records for the account number that they gave me. I requested in writing any information they had. I will attach the letter. This is past the 4 year Statue of Limitations for the state of Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$1700.00} XX/XX/2021 accordance with the Fair Credit Reporting act XXXX Account # 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 furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 in ( MONTHS REPORTING LATE ) 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. 

XXXX XXXX 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 1002 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: Debt collection

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with SCA COLLECTIONS XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$310.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Im not convinced this balance is correct or ever has been correct. I keep saying the same thing over and over. Are your convinced it is correct?
Product: Credit card or prepaid card

My parents put me as an additional user on their chase Manhattan credit card using my name and date of birth only. No signature. I authorized them putting me as an additional user. However, Chase bank will not allow me to remove myself as a user. This card is being reported to my credit agencies and makes me responsible for the debt. I do not wish to remain as an additional user. But, Chase will not remove me without their consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing this complaint on ( Experian Rent Bureau ). First they keep saying they didn't get my dispute letters in mail. Which is impossible cause i have tracking number and it says it was delivered. 

So XXXX XXXX XXXX put a account on on Rent Bureau report i found out about it in XXXX. Then In XXXX they put it on all the Credit Bureaus. I informed Experain, XXXX and XXXX  this was a fraudulent account. All three credit bureaus deleted the XXXX XXXX XXXX off my report within 4 business. 

Experain Rent Bureau told me they have to contact XXXX XXXX XXXX to delete this account and it will take 30 days. 

I am making this formal complaint because the FCRA 605B clearly states that the credit buraues has four business days to block this information my report.

How can Experain delete this off my report but the Rent Bureau section wont delete this off my account.

Rent Bureau still falls under the FCRA and should follow the rules. 

FCRA clearly states : Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Attached is a police report and dispute letter
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social security : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : 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 personal credit card account opened at XXXX XXXX XXXX XXXX XXXX opened on XXXX under account number XXXX, XXXX XXXX XXXX XXXX  opened on XX/XX/year> account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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.
Product: Money transfer, virtual currency, or money service

The problem here is PayPal, as a credit card processor. 

Back in XXXX, I saw two XXXX charges from a merchant with whom I have recurring charges. I didn't know what they were, so I tried to contact the merchant and my son ( who uses that account ) but couldn't reach either. After a week, I disputed the charges, which led to a chargeback. 

Later, my son told me he did want the charges. I called XXXX to cancel the chargeback. They did so and credited the merchant. However, PayPal, the processor of the credit card charge, still shows it as outstanding. 

PayPal claims they never heard from XXXX and keeps telling me to contact my financial institution. XXXX has sent me proof, but PayPal will not examine it. 

Because PayPal won't clear the chargeback, my son 's data is locked, affecting both professional and personal data valued at least XXXX figures. 

I'm filing a complaint to prod PayPal into finally clearing the chargeback, as they should have done when XXXX notified them in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 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 researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed 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 is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/23 I submitted a dispute on a collection debt of {$1200.00} furnished by XXXX XXXX XXXX. I requested information to get a better understanding of this debt and to verify it is, in fact, mine. Instead, I got a message that the debt was validated and a threatening letter from XXXX demanding I pay {$1200.00} to stop something they call " the pre-legal process ''. This is in blatant violation of the FDCPA and should not be considered an acceptable response to debt validation/verification by the consumer. I have a right to an accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report on XXXX XXXX shows 3 hard inquiry 's which i disputed with Equifax as unauthorized. their response # XXXX dated XX/XX/XXXX indicated the " results were a factual record of file access ''. they advised contacting the creditors " if you believe this was unauthorized ''. multiple phone calls resulted in refusal of any of these companies to either justify their inquiry with evidence or to request its removal from my credit record. they are XXXX XXXX XXXX Ca XXXX XXXX, XXXX ; Institution Information XXXX XXXX Ca XXXX XXXX, XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XX/XX/XXXX. 
In each case the companies transferred me to multiple departments and attempted to require me to document details of the questioned inquiry 's and of course I do not have any such details such as which of their customers or departments triggered the inquiry.
Product: Debt collection

Midland Credit Management keeps contacting me and sending letters threatening to sue me when I asked them repeatedly to please stop. 
Midland Credit Management was informed & notified since XXXX that XXXX XXXX XXXX is currently handling my debts, and I do not have any money. 
However, Midland Credit Management claim they've contacting XXXX XXXX XXXX around XX/XX/XXXX, and were informed that I was dropped from the program... which is completely false! On XX/XX/XXXX, I contacted XXXX XXXX XXXX who denied their claims or ever speaking with anyone from Midland Credit Management, and also provided me with a letter of " good standing '' for my records. 
Midland Credit Management is causing me a lot of stress. Their constant threats to sue are very stressful, and I feel like they're violating my consumer rights. They also lied & tried to disassociate me with The XXXX XXXX XXXX to justify their bad business practice & tactics, so they can continue harass and intimidate me.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Items to Dispute Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I was applying for what I thought was loan but instead seems to be scammed. Loan company XXXX XXXX XXXX XXXX  XXXX said I needed to go to XXXX and purchase gift cards to Show the FTC that I was working with them to help my credit. They got access to my bank account and then proceeded to make claims under my account. Chase bank will not pull the calls but tell me it was made through the phone. I have had the same bank for XXXX years and the same phone number so where the claims where made was not through me. My account is negative due to this and chase is unable to do anything because they gave a reversal credit and then took it away when no claim should have even been filed.
Product: Debt collection

PayPal debit my account for {$250.00} on XX/XX/XXXX generate a negative balance, saying that I had a duplicate credit after I disputed a transaction with PayPal XXXX XXXXXXXX XXXX  on XX/XX/XXXX. I contacted both companies every day since XX/XX/XXXX with no help at all to resolve the issue, and each company do not have support about I own a duplicate credit, they just answer my complaint saying that the opposite company need to resolve the problem. Not sure how these two companies share information or do business together but they mess it up my PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified letter to all three credit bureaus requesting how they verified a public record. There response was this section includes a public record items obtained from local, state and federal courts through a third party vender, XXXX. 

I contact XXXX XXXX and they could not verify and removed the public record. 

XXXX XXXX submitted 3 disputes 3 times to the credit bureaus they never responded. 

I also contact the XXXX Tennessee Bankruptcy Court and received a letter from them that they also do not verify. 

so, how can the bureaus verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX  XX/XX/XXXX, began making requests to update mortgage payment information. Contacted XXXX XXXX  and verified XXXX submitted mortgage payments update XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Between XXXX, XXXX and XX/XX/XXXX, I spoke repeatedly with the Special U.S. Handling Team and they indicated repeatedly they were updating my report. 

XX/XX/XXXX, I spoke with XXXX XXXX, Supervisor in the U.S. Special Handling Team Department, XXXX. She specifically stated " No one would be making the updates/corrections to this account. '' RE : Experian XX/XX/XXXX, we began requesting the same mortgage payment update. After paying their monthly fee and filing repeated complaints, no update has be made to my credit report. 

RE : XXXX  Updated my credit record XX/XX/XXXX.
Product: Credit card

Milestone Mastercard brought on by the XXXX XXXX XXXX continues to send me advertisement mail regarding opening a credit card line. This has been persistent for about several weeks and quite annoying.
Product: Money transfer, virtual currency, or money service

XX/XX/year>, I had XXXX transferred into my XXXX XXXXXXXX, I then sold that XXXX and the balance of {$420.00} went into my XXXX  account balance where I then tried to withdraw it into my Paypal using XXXX, which I have used this transaction type NUMEROUS times in the past with NO PROBLEM. I contacted XXXX  TWO TIMES talked to TWO different agents who tell me they have no idea why I can't transfer my money out to my Paypal. I went to the ATM and used my XXXX  debit card to which I still was not able to withdraw my funds from XXXX They suspended my account until I could send my ID, which I immediately did. After 2 days they unfroze my account stating I could now withdraw my funds. I still AM NOT ABLE to withdraw funds. It tells me payment can't be completed try again. I have tried SO MANY times and still nothing. They are telling me they can't do anything to push my transfer through so I can get my {$420.00} funds that is just sitting in my account. I should not have to fight this hard to get MY OWN MONEY. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate reporting on all 3 credit bureau credit report. Since XX/XX/XXXX amt {$970.00} the original creditor charge off and sold the debt to a collection agency on XX/XX/XXXX. XXXX, Experian, XXXX are reporting the same amount of {$970.00} twice on my credit reports. This is a major issue for me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

I had an account with BofA that was compromised. I notified the bank immediately and they froze that account then had me open another. Well the account that was compromised had been force closed per my statement dated XX/XX/XXXX - XX/XX/XXXX. On page 1 of 4 on the statement it states, XXXX XXXX. However on page 3 of 4 dated XX/XX/XXXX under deposits it says, FORCE CLOSE ACCOUNT XXXX XXXXXXXXNow below that dated XX/XX/XXXX on withdrawals it says, FUNDS TRANSFER DEBIT XXXX XXXXXXXX. Bank of America is saying I owe them and they are crazy. On another statement that says, FORCE CLOSE ON XX/XX/XXXX it states $ XXXX. So who owes who? Not to mention they placed me in XXXX so Im stuck with them.
Product: Debt collection

SOMETIME AROUND XXXX OF 2007 AN ACCOUNT WAS OPENED AT CAPITAL ONE BANK FOR XXXX DOLLARS. I WAS A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE THIS ACCOUNT.
Product: Money transfer, virtual currency, or money service

I received a Cash App card in the mail that I did not order, I do not have a cash app account. The company sent me a questionable email with a link to provide : 1. Your Full Legal Name ( first and last ) 2. The name listed on the Cash App Card you received 3. Has anyone previously lived at this address?

4. Please use this link to securely share the front and back images of the card : Which I am not comfortable giving.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX, XXXX XXXX XXXX was contacted by me via certified mail requesting the following information which I copied directly from the letter : " I need the account, XXXX XXXX XXXX with account number XXXX, records blocked or deleted from XXXX, Equifax, and XXXX. You have no permission to report any records or information to these institutions without my permission. '' This account was furnished as late on my consumer credit report. My letter was received. Please see the attached certified mail number : XXXX. 

Moreover, on XX/XX/XXXX, I contacted XXXX ( XXXX ) via certified mail and with confirmation number XXXX on XX/XX/XXXX. XXXX was contacted on XX/XX/XXXX via certified mail, XXXX and on XX/XX/XXXX with confirmation number : XXXX. Equifax was also contacted in the same manner on XX/XX/XXXX, XXXX and on XX/XX/XXXX with confirmation number XXXX. 

Additionally, I specified XXXX XXXX XXXX had " 10 Days to Delete this account, XXXX, from all consumer reporting agencies but not limited to XXXX, Equifax, and XXXX. '' Not only the violation ( late information reported ) is still active and live on the institutions, XXXX XXXX XXXX has not replied to me via mail stating the violation has ceased. 

In the letter attached below, the receipt and and the response letter that does not respond to my request is attached.
Product: Debt collection

XXXX accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Debt collection

Discover Is attempting to collect on a debt I do not owe. This debt had been paid off, and they are still showing a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTIFIED EXPERIAN THEY NEED TO REMOVE INCORRECT INFORMATION FROM MY CREDIT REPORT. THE INFORMATION HAS BEEN DISPUTED AND THEY CLAIM THEY HAVE VERIED AND VALIDATED THE DEBT WHICH IS UNTRUE. I HEREBY REQUEST THE REMOVAL OF THE FRAUDELENT ITEMS THAT XXXX AND XXXX VERIFIED AS NOT MINE TO BE REMOVED AS WELL BY XXXX AND EXPERIAN IMMEDIATELY. AS I WILL FILE A FEDERAL LAWSUIT IN THE FEDERAL COURTS FRO MULTIPLE DAMAGES AND VIOLATIONS. 
THEY NEED TO REMOVE XXXX XXXX  AND XXXX XXXX XXXXXXXX XXXX IMMEDIATELY FROM MY CONSUMER REPORTS AS WELL AS XXXX XXXX AS THEY HAVE VERIFIED THE FRAUS ALONG WITH THE POLICE AGENCY WHO VERIFIED THE FRAUD. I HAVE SENT THEM THE FOLLOWING AFFIDAVITS OF TRUTH WITH NO RESPONSE IN OVER THIRTY DAYS.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.