23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have received a Bill to pay my Goodyear credit card. I can not activate my online account to make a payment or reach anyone to help as the online error suggests I do. I have called 8 times and spent a grand total of 2 hours and 40 min listing to please hold for the next representative. My payment is due in 4 days and I have no way to pay it. This is BAD customer service. the worst I have ever dealt with.
Product: Debt collection

XXXX XXXX IS REPORTING FALSE INFORMATION ON CREDIT REPORT. 
AFTER VERFIABLE DELIVERY OF MY CERTIFIED MAI ; THEY REFUSE TO REMOVE FRAUD ACCOUNTS FROM CREDIT REPORT.
Product: Debt collection

We paid the account off to XXXX XXXX bank, XXXX, with the correct account number before it was due. Now they are assessing interest, late fees, and reporting to credit agency saying it was late because they did not recognize the account number.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : SXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : TXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and they will not help me with this. 
I am not sure if this is some their mistake as I assume it has to be. 
It's been a month and no clear solution that they offer or willing to assist me on what to do. So I remembered that I could file a report here as I they are not doing their job properly and it is effecting me as great deal as I used Paypal very frequently. My email linked to paypal is XXXX. Hope that you can help me.. Thanks!
Product: Debt collection

I currently have a collection account on my credit report from portfolio reconvert associates,  LLC Re  :  XXXX  Please be advised that I am disputing these collections due to the fact that Portfolio Recovery does not currently have a license to collect debts in the state of   XXXX   XXXX   XXXX   XXXX  according to   XXXX   XXXX   XXXX   office of financial regulations. I am requesting that you delete this account from my credit report or provide me physical proof that they are licensed to collect debt in  XXXX .
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$2700.00} Account Name : XXXX XXXX XXXX XXXX XXXX  - Balance : {$7200.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$7100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted XXXX complaints regarding the fraudulent reporting of a closed Wells Fargo account, of which, was settled back in XX/XX/2018. My XXXX credit report has continuously been flagged with a " charge off '' indicator ever since, which has negatively impacted my credit score. Fortunately, XXXX and XXXX have the correct data.
Product: Credit reporting or other personal consumer reports

I opened the account in XXXX. A secured Credit card for {$300.00}. In XXXX a bill came of {$18000.00} on a {$300.00} secured card from XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX charged a {$300.00} secured card {$18000.00} with a balance of less than XXXX dollars still on a secured card that was only {$300.00}. They made me add money to my secured card for the balance. Upon me looking at my statement I contacted them several times XXXX and XXXX about the ballooned balance of {$18000.00} and they told me several times the issue would be rectified and resolved. Upon me applying for the secured credit, they told me I would never be able to go over the limit if {$300.00}. Thats how secured credit works. Its XXXX, the issue is still not resoved after multiple attempt to have it removed from credit report. 
An according to USC1681 ( e ) ( b ) they are suppose to do this ( 15 ) Treatment inaccurate or unbelievable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) if any information disputed by consumer, an item of the information is found to be inaccurate or accurate must be updated or removed.
Product: Credit card

They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line. 
And if sunrise credit service has the account you are in violation. You ca n't report a balance if it is at a collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed on my TransUnion credit report, Upon reviewing my credit report, I have identified discrepancies in the reporting of this account that I believe require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Charged off as bad debt, '' which inaccurately reflects the current status of the account. While I acknowledge there were past difficulties with this account, it has since been resolved. Therefore, the account status should be updated to reflect its current status accurately. 

Inconsistent Reporting : This collection account is not reported on my XXXX and XXXX credit reports, leading to inconsistency in reporting across the credit bureaus. As a result, there is a lack of clarity regarding the status of this account. I request that this account be either reported consistently across all three bureaus or removed entirely from my TransUnion credit report. 

Indeterminate Account Status : The account status is listed as " Indeterminate, '' which does not provide clear information about the account 's status or history. This vague status is detrimental to my credit profile and requires clarification. 

Date Last Active : While the date last active is reported as XX/XX/ 2022, there is no corresponding information regarding the activity on the account. Without clear documentation of the account 's activity, the accuracy of this date can not be verified.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX
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 Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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: Student loan

CAN NOT GET THROUGH TO NELNET I've been trying to log in to the website : - I have reset my password a number of times - After the website saying that the password has been successfully changed it still won't allow me to log in Also, I've tried calling numerous amounts of times but the most frustrating thing is that it'll ask for the social security number, birthday, and zip code - then they'll say that the information provided is wrong THERE IS NO WAY TO TALK TO A REAL PERSON because of this I have not been able to pay my student loan and my credit score has been massively affected. I looked this up to see if it was a common problem and there are many complaints, so I'm not the only one.
Product: Debt collection

XX/XX/XXXX car loan with Colonial Auto Finance {$5200.00}. This account is now over 7 yrs, closed account, vehicle does not run. All payments were on time. Dispute was made XX/XX/XXXX with XXXX  removal was denied after request if " Goodwill Deletion ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft report including a police report was sent to this company. This company refuses to correct the record causing i great financial harm. This company has continued to engage in Fraudulent reporting for almost a year. I have send numerous letters to this company yet they refuse to correct the record nor supply ANY shred of evidence of how they determined any of the accounts are valid.
Product: Debt collection

I am not liable for the debt owed to CMRE financial services I did not sign a contract nor agreement with this company can this please be removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U.S. Bankruptcy Court # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Credit reporting or other personal consumer reports

Subject : Formal Dispute under FCRA Section 605B - Identity Theft Notification To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section mandates that credit reporting agencies block and remove information resulting from identity theft when a valid identity theft report is provided. 

Despite my previous correspondence on this matter, you have failed to take appropriate action within the legally required timeframe. Let me be clear : under FCRA Section 605B, you are legally obligated to block fraudulent items on my credit report once I have provided adequate documentation of the theft. My dispute letter and supporting identity theft affidavit were submitted to you on [ date of previous submission ], along with certified tracking [ insert tracking number or proof of delivery if available ]. This submission constitutes sufficient documentation under the law. 

The following accounts and inquiries on my credit report are fraudulent and should be blocked and removed without delay : 1. Account with [ XXXX ] - Account Number XXXX Account with [ XXXX  XXXX ] - Account Number XXXX Account with [ XXXX XXXX  ] - Account Number [ XXXX ] Account with [ XXXX XXXX XXXX ] - Account Number [ XXXX ] Account with [ XXXX ] - Account Number [ XXXX ] 2. Account with [ XXXX ] - Account Number [ XXXX ] 3. Inquiry from [ XXXX  XXXX  ] - Inquiry Date [ XX/XX/XXXX ] Inquiry from [ XXXX ] - Inquiry Date [ XX/XX/XXXX ] Inquiry from [ XXXX  XXXX  XXXX - Inquiry Date [ XX/XX/XXXX ] I have included a copy of my identity theft report from [ Police Department/FTC affidavit ] and all prior correspondence as proof of my lawful right to invoke this process. You are required to block and remove the information in dispute within four business days after receiving this notice, per Section 605B ( b ). 

Failure to comply with this legal obligation may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), and I will pursue further legal action if necessary. 

I expect prompt written confirmation of the removal of these items within the next ten business days. Please respond to this letter by mailing a copy of my revised credit report reflecting the removals. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The 3rd party first kept calling me without me every, every receiving a 30day notice from them, secondly I did n't recall the account, I kept asking them never received anything from then, I then verbal told them i disputed the debt. I then told them the account wasnt mines, that It probably was a fraudenunt account. I asked for them to send me proof of my signature I took out this account XX/XX/XXXX or XX/XX/XXXX they gave me different dates. They told me they would dispute it, found out they never did. I then looked up the company sent them a dispute letter. They then started sending me an old statement XX/XX/XXXX, i told them that a statement was not proof that this account was proof that i owed it, when this was more of a fraud account, they refused to send me any type of proof. they put on my credit and told me that that statement was proof that I owed it. I asked them not to call me, they kept calling me and kept sending me letters stating that my dispute was invalid and that they sent me a statement back from XX/XX/XXXX that I owed the account. I found out they purchase the account and refused to send me out the correct information not did they ever send me out the 30day letter. The dispute department manager told us that the proof was they sent me a statement and that was good enough I owed the bill and told me do whatever i wanted to do when i told her this was against the law and she hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Product: Credit card

To Whom It XXXX Concern, I am writing to formally submit a complaint regarding a denied welcome bonus for my AMEX XXXX XXXX. Below is a detailed timeline and description of the issue : XXXX. XX/XX/year> : * Before applying for the AMEX XXXX XXXX, I contacted AMEX Customer Service via chat. During this chat, I was informed that the welcome bonus for the XXXX XXXX was XXXX Membership Rewards ( XXXX XXXX points. 
* XXXX, I proceeded with my application for the XXXX XXXX through the AMEX website. At the time of applying, the website displayed a welcome bonus offer of XXXX XXXX XXXX. 
* My application was approved the same day, XX/XX/year>. 

XXXX. Spending Requirement Fulfillment : * After receiving the card, I spent the required amount within the specified time frame to qualify for the welcome bonus. 

XXXX. XX/XX/year> : * When I did not receive the welcome bonus, I reached out to AMEX Customer Service via chat to inquire. 
* During this interaction, I was told that my XXXX XXXX was not eligible for the welcome bonus. The representative claimed that a declined message appeared during my application process. However, I did not see any such message when I submitted my application. 
* The representative further stated that I was ineligible for the welcome bonus because I had previously held the XXXX XXXX, the XXXX XXXX from American Express Exclusively for XXXX XXXX, the XXXX XXXX XXXXrom American Express Exclusively for XXXX XXXX, or previous versions of these cards. 
* I would like to clarify that I have never held any of these cards before. 
Despite providing this information and explaining my eligibility, AMEX has refused to issue the promised welcome bonus. 

Supporting Evidence : XXXX. I have screenshots of my chat with AMEX Customer Service on XX/XX/year>, confirming the XXXX XXXX XXXX offer. 
XXXX. I have screenshots of my chat with AMEX Customer Service on XX/XX/year>, outlining their refusal to honor the welcome bonus.