23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I keep sending Equifax a block request for fraud accounts and they keep saying they have not received my documents. one representative tells me they have while another says they have not received them. and then i can not get access to my online account. I found out from the IRS that someone stole my identity to file false tax returns from XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To whom it XXXX concern, This account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed accounts below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Back in XX/XX/2018 I move from my apartment to a different location and the utility company billed me and added me to collections although I was no longer there.
Product: Credit card or prepaid card

I received the following offer from Venmo : Limited time offer : score a {$50.00} bonus when you spend {$500.00} with your Venmo Credit Card by XX/XX/2022. 


I spent {$500.00} but didn't receive {$50.00} bonus
Product: Money transfer, virtual currency, or money service

I had a high end luxury watch business, processing payments via PayPal for many years. PayPal had approved my account for over two million dollars in processing monthly. Every transaction was tied to a timepiece serial number and a tracking number for shipping. I was processing around XXXX XXXX dollars a month in transactions through PayPal every month. 

On XX/XX/2021 I flew to XXXX with my family. While I was in XXXX, I transacted a sale on PayPal. For whatever reason, my account was immediately frozen, together with the buyers account and suppliers account. When I contacted PayPal customer service, I was advised that the money was frozen in the account for 180 days and I would not be able to do anything in the meantime. The amount frozen was {$71000.00} - this put a complete halt on my business, as I operated with one supplier and one buyer, all through PayPal. 

While awaiting the 180 days to end, I did what I could do contact PayPal and get more information, but was not supplied ANY answers. I would constantly be hung up on when asking for a manager to discuss this matter. The only reason I could see was " General Account Correction '' in the description ( prior to seeing this on a XXXX download of my transactions, the site only mentioned " USER '' in the reason. ) In doing research on the matter, it seemed that the freeze was only to protect the account in the case of a Chargeback, which had never once occurred on my account. 

Around 80 days in to the freeze, PayPal seized all the funds in my account. This includes my personal savings, operating cash and cash to pay my supplier, who I still owe. When finally getting an answer from PayPal as per the reason, I was led to understand that a transaction of XXXX or so dollars for a XXXX was the reason for the shut down. I clarified that the XXXX charge for the watch was for polishing and servicing the watch, not the price for the watch itself, and that there was no need to assume I was selling replicas or fakes, especially with the account history and reputation. The client and supplier can both provide proof of this, as the timepieces themselves came from XXXX. 

This has happened to many accounts in the high-end luxury watch industry. For PayPal to seize the funds and keep them constitutes nothing less than theft. I had to shut down my entire business due to this issue. 

Please have PayPal return the funds. 

Thank you
Product: Checking or savings account

I was politely asking for a solution. On XX/XX/XXXX, a nice banker allowed me to share my concerns over the phone, but when my father was curious that even though my father had previously accounted openly they were allowing him to open and I'm his son. I have a document to share proving I was exhausted enough. But I insist on this bank because my concerns convinced arms and fees. Please allow, me to listen instead of being against me. That's not correct and it's wrong, after I had conversations in the bank, where my father he gets his bonus, and he had account closed and so that's enough to tell you why my conversation will not end depends on me because, the branch manager XXXX was being unfair, that he could have, just stop me of going in person why can't just leave like this, at least online banking is safe to him and me, that is that if he really hates me and not others customers. 


Please review, my recording of the called mentioned XX/XX/XXXX and one XXXX at the branch. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account number : XXXX - Original Creditor : ACCEPTANCE NOW It saddened me to learn that you somehow Equifax verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report.

Note : ACCEPTANCE NOW was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Equifax 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that Equifax spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Equifax via email, fax, mail and on the phone with a representative.
Product: Credit reporting or other personal consumer reports

Dates are going to be hard to supply because I have been attempting to resolve this issue for months. 

Around 2 to 3 months ago, I decided to freeze my credit reports with all 3 credit bureaus due to a recent widespread leak of sensitive information. While trying to freeze my Experian credit report, an error prevented me from finishing account creation, but the freeze went through. 

Eventually, I wanted to unfreeze my report to apply for a credit card. After logging into my Experian account, I was brought to a web-page that told me I needed to request a credit report in order to finish my account registration. There were no other options to proceed after logging in. After supplying my social Security number again, the site informed me that I had encountered an irrecoverable error, and that I would need to call them for assistance. I called that phone number and was greeted by an Automated System. When I tried to explain my error, the only assistance the system offered me was a link to sites where I could reset my username and password, or to mail the same instructions. I specifically asked for a customer service rep because I figured this was an uncommon error that would need special attention, but the automated system explicitly refused to allow me to speak to a human representative. 

Since then, I have tried logging in on the app. A similar thing happens. The app tells me to finish creating my account. After supplying my birthday and social security number, the app tells me that an unknown error is preventing me from logging in, and provides a different phone number to call. This phone number also brings me to the automated system that will not bring me to a human, and can only offer me links to reset my password and username. 

I have tried logging into this portal well over 30 times since this first happened. I have likely called Experian over 50 times. Each time I am brought to the same automated system that can not help me. I have tried every option I can think of to try to resolve my issue with the automated system, including asking the system what I can request, insulting the system, arguing with it for several minutes, and so on. Sometimes the system just hangs up on me. In these attempts to contact Experian, I have also attempted to remove my freeze, which the automated system phone can not do without a PIN, which I do not recall ever setting, nor do I recall being sent a PIN. I have tried using an alternate login system on their site that involves entering a phone number and the last 4 digits of my SSN. A text or phone call is supposed to arrive at my phone giving me a verification code to log in, but this system does not send a code to my phone. I have tried resolving this on multiple computers and browsers. 

As it stands, I am entirely unable to access my credit report with no resolution.
Product: Debt collection

I do not have a signed contract with AFNI. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this debt with AFNI.
Product: Debt collection

I am writing to you once again in regards to the loan you have on file as RE : XXXX Reference # XXXX, Property address:XXXX XXXX XXXX XXXX , FL XXXX, Source file # XXXX. 
Mr. Cooper has indicated in previous responses that XXXX XXXX is the owner of the loan. Please provide the XXXX XXXX loan number. XXXX XXXX states : The servicer must maintain permanent mortgage account records for each loan it services for XXXX XXXX. The records must be identified by XXXX XXXX loan number ( and any related participation certificate or MBS pool number ) in addition to any other identification the servicer uses. Also, it is my understanding that as the current servicer of the loan, Mr. Cooper is required to have full & complete accounting records from " origination '' to present. If any accounting is missing-all numbers are questionable. CDS 's are credit default swaps-All 3rd party payments, properly accounted for, should serve to reduce and/or extinguish any outstanding obligation ( the note ). There must also be evidence of proper negotiation, transfer and payment, which should accompany the " original '' note to give it credence and enforcability. XXXX XXXX has a discrepancy with the principle amount Mr. Cooper/Nationstar Mortgage, LLC was attempting to collect. The amount reported by XXXX XXXX is not the same as the amount reported by Nationstar Mortgage. There is no loan. Nationstar Mortgage has been collecting on a debt which was paid off and does not exist.
Product: Payday loan, title loan, or personal loan

I have been with NCD Financial since XXXX of XXXX and have notice that there is a huge issue with the Update Your Payment Option. Many of times I have submitted my new Payment Option to just come back to the site and realize it still hasn't update at all. This has happen again but only this time impacting my Credit Score causing my Credit Score to drop over XXXX Points. I just check the site again as im typing this and again. The payment option still not corrected. This has greatly impacted my immediate life being that im in the process of purchasing a home and at the moment hindering me. Also according to 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, 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. I never received any of such yet a negative report were furnished on my report. Now under 15 usc 1981n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. All im asking is the payment option update process be corrected and this one time late payment be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following accounts and inquiries be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by fraudulent activity : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, has violated my rights.

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

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

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose therefore kindly maintain the accuracy and correct it as paid on time.
Product: Debt collection

To whom it may concern, I have contacted you several times ; my first attempt being XX/XX/2020. 

I asked that you reinvestigate or delete disputes from my credit report. 

I have submitted a complaint where, you stated I was reaching out from a third party. This is to insure you that there is no third party submitting the complaint. 

I have yet to hear back from you, it has been longer than the thirty 30 day time frame. You have not complied with the law and responded to my initial letter on XX/XX/2020. 

I am demanding that the dispute is removed from my credit immediately, or I will unfortunately have to contact Federal Trade Commission about you lack to comply with consumer protection laws. 

Thank you in advance.
Product: Debt collection

I have called this company several times trying to dispute this debt they said I owed even tried to get my insurance to pay off something I had no clue about I asked them to provide me proof that this is me and still can't get a reasonable response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I lost my job due to covid, I worked at a XXXX  and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to XXXX when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in may I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. XXXX told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling XXXX and they keep telling me that it will be deleted and still don't see it deleted on my credit report.
Product: Consumer Loan

I took out this loan in XX/XX/XXXX for {$20000.00}. I have been paying the monthly amount of {$190.00}, with only {$61.00} per month going towards the principal. 

As of XX/XX/XXXX, the balance is approximately {$16000.00}. At this rate, it will take me another 12 years to pay this loan in full and at the end of the 20 years, I will have paid {$46000.00}. 

They have applied {$960.00} in late fees to the outstanding balance because I fell behind when I lost my job. I caught the loan up as soon as I was able to do so and have been current ever since. 

I am concerned that this is a " predatory loan ''. 

I look forward to hearing back about this loan in the near future. 

Thanks.
Product: Credit reporting or other personal consumer reports

TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX These are inaccurate unauthorized fraudulent private information furnished by means of identity theft of XXXX parties
Product: Credit reporting or other personal consumer reports

My information was sold illegally for personal gain, and I am a victim of the equifax data breach. There are illegal accounts on my credit report that I want removed effective immediately. I do have proof that I tried to get these removed because I AM A VICTIM OF THIS COMPANIES DATA BRECH. I will attach the proof of dispute letters I sent in along with the FTC reports that were filed as well. I also have proof of equifax stating that I am a victim of the XXXX Equifax data breach. So if you telling me that I'm a victim of your companies data breach why haven't you removed these illegal accounts from my credit report. Not to mention there is also a settlement thats pays the consumer up to XXXX dollars for being a victim in the Equifax Data Breach. The only thing wrong with that is the fact that Equifax already recieved the settlement to pay to the consumer for thier information being compromised from equifax company database. I havent recieved my settlement and I wan na know why. Equifax can't tell why because its wrong. Why would XXXX  want the consumer to explain what they did to remove illegal accounts from their consumer credit report that occured from the Equifax data breach that their company is responsable for. Equifax recieve a settlement that was paid to them for them to pay the consumer and they are holding it because they want to know what they doing to fix the mistake they are at fault for. So here is proof of dispute letters, ftc claims and the illegal accountsand inquiries I want removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below haws violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 

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  Account name XXXX XXXX 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 consume4r reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not garnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

My husband ( who XXXX on X/XX/17 ) had a Discover Card that was unbeknownst to me. A collection agency has contacted me for the balance of the debt. I was not aware of this card and from what I understand on my credit reporting file by the major agencies I am listed as " an authorized user ''. I have never used this card. There are no transactions that have my signature on them. I was not aware of this card until contacted by the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft and notified XXXX XXXX and XXXX. i also attached my police report and identity theft affidavit. XXXX and XXXX removed the fraudulent account but XXXX  still haven't removed the accounts.
Product: Debt collection

In XX/XX/2021 I noticed on my credit report that a collection agency was reporting a medical debt I had never seen. I had never received notification from the hospital it was originally attributed to which occurred during the pandemic prior to me being XXXX in the military XXXX. They claimed they had sent the bill to an address I had not lived in multiple years, I confirmed with them today that this should have been removed on the grounds, I paid the debt with the knowledge they said they would delete it because I never got notification of the debt prior to collections reporting and two because it was a debt that shouldn't have been sent to collections without properly verifying my address. 

I am asking them and the CFPB to remove this paid hospital bill off my credit report as the injury during the pandemic was to no fault of my own and not my decision and I never received any correspondence before finding it on my credit report, shockingly. 

Thank you XXXX