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

I asked all 3 credit bureaus to perform an investigation into Portfolio Recovery 's negative reporting on my credit bureaus in XX/XX/XXXX. I was asking for validation of debt. On XX/XX/XXXX, I received a letter from Portfolio Recovery, which they claimed to validate the debt. There are many inconsistencies involved with Portfolio Recovery 's response. Portfolio Recovery claims that I owe {$550.00}, but they sent a statement with a balance of {$620.00} from XX/XX/XXXX. They also sent a " letter '' from XXXX XXXX, dated XX/XX/XXXX, saying the " debt '' was sold Portfolio Recovery on XX/XX/XXXX, however if you reference their response to my request for validation, Portfolio Recovery says this occurred on XX/XX/XXXX. Portfolio Recovery is reporting multiple dates, which differ from each other. I asked for a signed contract, and all they could provide me is an " account statement '' from XXXX XXXX, which was electronically transmitted. There are several cases, which state electronic transmission is not enough to verify a debt. If you reference all 3 of my credit bureaus, there are zero negative items from XXXX XXXX reporting on it, so how could this " debt '' even exist? I have an account with XXXX XXXX that was opened this year, however nothing with those dates that Portfolio Recovery is claiming. The statement from Portfolio Recovery also lists the " original creditor '' as XXXX XXXX, and if you reference my credit reports, there has never been an account that was ever opened with XXXX XXXX. Portfolio Recovery says that my " account '' was opened on XX/XX/XXXX, however a simple XXXX search will show that XXXX XXXX purchased XXXX XXXX credit  operations in XX/XX/XXXX, XXXX months before Portfolio Recovery is claiming, that I opened an account with XXXX XXXX. How did I open a credit account with XXXX XXXX  in XX/XX/XXXX, when XXXX credit accounts no longer existed? The inaccuracies, and outright wrong information is reason enough to have Portfolio Recovery to delete all negative information on my credit bureaus. They failed to properly investigate my inquiry, and are not negatively effecting my credit. They assumed without properly researching information, and Portfolio Recovery is harming my ability to obtain credit. In summary, Portfolio Recovery failed to properly verify the " debt '', is claiming I opened an account with a creditor that was not even open, when they are stating I opened the " debt '', sent account statements with conflicting information, and is reporting negatively to my credit, while there is zero evidence on any of my credit bureaus that these " supposed accounts '' existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to XXXX I wrote equifax about a problem I was having with XXXX XXXX XXXXXXXX about a collection they said I allegedly owned. Equifax claims that the company was able to validate that debt but I believe it was just a generic response because XXXX couldn't now validate or verify the debt and therefore removed it. I want equifax to please delete the account immediately before i have to file a law suit against them. 
The proof that XXXX deleted the account is attached to this email.
Product: Consumer Loan

I received a letter about non approval of loan application with these reasons ; ( 1 ) lack of recent installment accounts. ( 2 ) insufficient length of credit history. ( 3 ) lack of recent information on auto loans or lack of auto loans. It also included credit score XXXX. When I called I was told it was denied because I got the loan elsewhere. How can they deny a loan and send a letter with above reasons? XXXX was the credit agency listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT FOR TOYOTA MOTOR CREDIT CORP.. ( ATTACHED ) XXXX WAS OPENED IN XX/XX/XXXX AND CLOSED ON XX/XX/XXXX ITS BEEN 7 YEARS ALREADY AND THIS ACCOUNT ITS HURTING MY FICO SCORE, NOT LETTING ME BUILD MY CREDIT AND AT THE SAME TIME VOIDING ME THE PRIVILIGE TO BUY A HOME..
Product: Student loan

I have two XXXX XXXX Loans held by the Department of Education that were in default prior to XXXX. I signed up for the XXXX XXXX XXXX to get out of default. I received a letter XX/XX/2023 which including information about Income Based Repayment Plans available under the Fresh Start Program. I contacted my servicer, ECSI, to enroll in an Income Based Repayment Plan, and I was told I was not eligible but that I could apply for a forbearance program. When I applied for the suggested forbearance, I was denied and told I was not eligible because I am not unemployed. When I called my servicer ECSI back to ask about this denial and ask again about Income-Based Repayment Plan options, I was told I had to talk to the Department of Education directly . When I called the Department of Education, I was told that ECSI should not have referred me back to them but should have answered my questions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report. 
The account in question is with XXXX XXXX, account number XXXX, which is incorrectly reporting a 30-day late payment in XX/XX/2024.
Product: Debt collection

Calling daily. Calls are made by a robot. This is evident because there is no one on the line when I answer the phone. When I do answer, the person talking to me refuses to disclose that they are a collections agency. I spoke this morning with " XXXX '' and to " XXXX, '' both of whom refused to tell me what the call was referring to and required my phone number after which they would transfer me to another representative. I refused to give my information to them. XXXX hung up on me. She refused to give me the company name and address. She refused to allow me to speak with a supervisor. XXXX gave me an address then agreed to transfer me to a representative but instead I was disconnected.
Product: Credit card

I mad a dispute with one order from aXXXX although I had had returned the item but XXXX kept refusing to pay the money back to me I used synchrony bank and the customer care representatives didn't explain or provide a written letters or explantation for the denial although I have provided all the supportive documents many times and the letter is blank without a proper explanations and I had requested a call from the dispute department but it seems like they can't speak a proper language or they are clueless, they sent many letters with the reason of denial is '/ a dot and period
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have contacted the creditors listed and all three credit bureaus ( XXXX, Equifax, and XXXX  ) disputing the unknown inquiries and asking them to provide documents to support their claim of authorization such as identifying documents and a legal contract/agreement bearing my signature. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers with too many inquiries that hinders my ability to get credit. This is my last attempt to resolve this issue without legal assistance. 

XXXX XXXX from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance
Product: Credit reporting or other personal consumer reports

XXXX added a derogatory mark on my credit report per Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per Equifax showing account status as derogatory but payment was never late so the account CAN NOT be derogatory. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Equifax has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed countless dispute with XXXX & XXXX, about them reporting XXXX XXXX on my credit report, The account will be deleted and then added back just back & forward. I filed a dispute again in XX/XX/18 and receive a email that the investigation is completed and they verified the account accuracy, so when i call on the phone and gave them the dispute file # XXXX and was told to me the account was deleted, 2 days later I receive an updated credit report stated that the account was verified, so I called back and was told that XXXX sent in verification. I sent out certified letter on XX/XX/18, XX/XX/18 to XXXX, XXXX and XXXX requesting a method of their verification and the name, address and phone number of the one involve in the verification. XXXX and XXXX said that XXXX XXXX verified the account and transmitted the information to them, XXXX sent out a letter to me stating that they no longer have the account it was sold to XXXX XXXXXXXX XXXX. wow ... how is the credit bureau saying that they verified this account through XXXX jeweler ... how are they continue to reporting this account under XXXX name. Credit reporting should be reported accuracy name, account number, dates and correct contact information of the creditor
Product: Credit reporting

As a victim of identity theft, I had no choice but to put on a credit freeze with all three agencies. Now when I need to refinance my home and put on a temporary lift of the freeze Equifax forces a {$10.00} fee for this. Why? What do they need this money for? It 's simply not fair. This is not a service they are providing me! This is protection of my identity so that I can function in commerce despite the awful system these credit reporting agencies perpetuate. I have no choice in this matter. Why must I pay {$10.00} to protect my credit and lift this freeze. This service should be free!! This is yet another unfair burden on the People.
Product: Credit card or prepaid card

I XXXX XXXX filed for EDD/ Unemployment in the state of California XXXX XX/XX/2021. The money from EDD was put on a card through Bank of America. Bank of America refuses to send me the card or my EDD benefits money. BOA claims they have my old address ( XXXX XXXX XXXX ) and it needs to be updated through a email from EDD. I called EDD and they emailed BOA with my new address and BOA still refused to give me my money. I have all my paperwork from EDD showing my correct address. BOA is just playing games and is trying to keep my money. I have called EDD multiple times and they said they sent over my correct address, to call BOA again. If i remember correctly i am owed over XXXX XXXX BOA has kept all of my checks. I have not received one payment of EDD. I have been fighting with BOA since XXXX  for my money. I will be uploading all my documents to prove my claims with my correct address from EDD. The same paperwork BOA has on file. I want all my money owed to me with inters and a XXXX $ fine. I want my money with in 10 business days and for every day i am not paid after that i want a full days wage like the labor board says I should get for not being paid per California Law. My EDD customer account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian has a wrong balance as stated Experian has wrong information on my credit file Experian has yet to mail out a credit report after disputing experian
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX, FLORIDA XXXX, XXXX XXXX INQUIRY DATE XX/XX/XXXX, XXXX INQUIRY DATE XX/XX/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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following incorrect addresses and employer information from my credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employer : XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I have attached a copy of my ID and SS card.
Product: Mortgage

In  XXXX , I financed my house at  XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia with  Ocwen M ortgage Co. The mortgage was interest only the first 10 years (  XXXX  ). In  XXXX ,  Ocwen  continued to bill me monthly and I continued to pay. On  XXXX   XXXX ,  XXXX ,  Ocwen cre dited {$6100.00} to the principal balance to my account. In  XXXX   XXXX ,  Ocwen de manded a payment in the amount of {$5900.00} plus {$960.00}. Included in this payment were {$680.00} interest, a late fee/short charge of {$230.00}. In a letter dated  XXXX   XXXX ,  XXXX ,  Ocwen  advised me that the payment of {$5700.00} was for undercharges and not applied toward the principal balance on my loan. According  to Ocwen 's au dits the principal balance on the mortgage has increased each month :  XXXX / XXXX / XXXX  - {$110000.00} ;  XXXX / XXXX / XXXX  {$110000.00} ;  XXXX / XXXX / XXXX  -  XXXX  ;  XXXX / XXXX / XXXX  - {$110000.00} and  XXXX / XXXX / XXXX  - {$110000.00}, no money applied to principal after  XXXX  's payment was made. In an attempt to prove their c ase, Ocwen se nt me a fraudulent Note dated  XXXX   XXXX ,  XXXX  along with other docu ments Ocwen sent me. Enclosed Letters and payment statements received from Ocwen.
Product: Credit card or prepaid card

XX/XX/XXXX TO : XXXX XXXX, Co-President and Chief Operating XXXX for JPMorgan Chase RE : You Violated the United States Code Law ( TILA 15 U.S. Code Ch 41 Consumer Credit Protection ) Open End Credit Plan and Open End Consumer Credit Plan ( j ) terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open-end consumer credit plan which is an open-end credit plan or open-end consumer credit plan within the meaning of the preceding sentence is an open-end credit plan even if credit information is verified from time to time. 

Let me break these laws down On XX/XX/XXXX you closed my account without my approval. 
I was never late and always paid on time. I gave you a security instrument which was my signature. What law says that you can close an open-end credit plan without my approval? A closed account is never closed. Once something is open it's always open, Im just not getting any benefits from it. Under 15 U.S. Code 1602 Truth in lending act I am the original creditor, therefore you can not close an account without my written consent.

Due to your adverse actions and unfair credit card practices ( TILA 15 U.S.C. Ch 41 ), for the past 5 years I have suffered damages such as XXXX XXXX and XXXX because now I have high interest rates because of the information that you reported on my report. These are damages that no one can tell me how much they are but me as the consumer. You dont know what Ive incurred over the past 5 years. Ive spent 5 years trying to clean up my consumer report. You dont know that Ive tried to get loans from 10 different banks to help pay my grandmothers medical bills. Now my interest rate is XXXX XXXX  because your people have spilled and compromised my information which is identify theft. Under TILA, FCRA and FDCP I did not give you written consent to close my account. This is a FDCPA violation. You violated me. I have rights as a consumer which you violated. You defamed my character.

JPMCB CARD SERVICES - XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

opened a checking account with chime XXXX and made 3 deposits totaling XXXX. 
also on XXXX i made a reservation with uhaul to rent a truck using the debit card information given to me in the chime app. when i went to pick up the truck i was told the transaction was denied due to an issue with my account. i go to open the chime app on my phone and i receive a message telling me the account is locked. i checked my email, text messages and phone for missed calls. nothing from chime informing me why the account was locked. i call and speak to 5 chime agents and 4 supervisors and what it get from 1 supervisor is that i need to submit my government issued id and ss card and a bill with name and current address to chime support. so i emailed information to XXXX. this same supervisor said she would escalate the matter. i call back and reach XXXX a supervisor who says he could not see the information i emailed to chime support. but later in the conversation he claims he can see the info submitted but i had to wait for a response from chime support. XXXX i call and speak with XXXX whos says he could not see information that i submitted the day before and that i have to wait for a response from the chime support team. with each member of the customer service team i informed them of the fact that i made deposits to the the account and i want my money returned to me. i told them to close the account and simply return my hard earned money. i have never had an experience like this before with a financial institution. the money i deposited to the account i want it back and the account closed. i almost used this company for direct deposit. im so glad i did not make that move..... i have proof of the deposits made to the account. 

I want the deposits returned and the account closed. 
thank you to whom ever will be investigating this matter. 

XXXX XXXX