23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

i was issued a new SSN and done my best to update all credit agency so they are reporting my correct credit score. I currently have a XXXX - XXXX between XXXX and XXXX but not Equifax which is reporting XXXX. I have n't had much look changing my information so Equifax can properly report my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX 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. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I have an account showing as in Collection on my credit report. I have provided Equifax with copies of the cancelled checks ( 2 different times! ) showing that payment was made in full to this creditor in 2012. I received a confirmation number from Equifax. When I check my credit report, the Derogatory remark is still there. When I check with Equifax , their page says " .There are no pending disputes on your credit file at this time. ", and that there have been no disputes filed in the last 365 days. I have filed this same dispute twice.
Product: Debt collection

I checked my credit and saw LVNV LLC has been reporting a collection since XX/XX/2019. I disputed this and requested debt validation, as nothing I have should be in collections. They ( the credit bureaus ) just sent me an email stating the debt was verified. Im not sure what they verified as they didnt share anything else with me as far as the method of verification. I was never contacted by the LVNV before placing this debt on my reports
Product: Debt collection

I was sent a letter from Zions with a contract and a letter from XXXX attached. The letter from XXXX was completed on the same day as the email and has no information on who completed it. The address on the letter is an address from over 15 years ago, and not associated with the account at all. I contacted XXXX, as well as XXXX, no one is able to find the account number on the letter provided or any account associated with myself. The letter says that it was sent from XXXX stating that the debt was bought by Zion. I want to know who provided this letter, the letter is not real.
Product: Debt collection

I received a letter addressed to just " XXXX '' XXXX from a collection agency, ERC, representing XXXX XXXX/XXXX XXXX XXXX/XXXX. I do not recognize any of this account information listed on the letter. 

The letter stated a debt was owed in the amount of {$700.00}, and stated it would accept a settlement of {$420.00}. 

Prior to receiving this letter, this debt appeared on my credit report and my credit scores dropped by more than 100 points. When I disputed it with XXXX and XXXX, it was removed within 24 hours. More than a month later I received the letter and discovered it was reported to XXXX as well. I disputed it there and it was removed promptly as well. 

This letter was sent via regular US Mail and there is language in the letter stating that if I do not act within 30 days of receipt, I will be liable for the debt. 

I am certain this letter is fraudulent. Will I be liable if I do not act on this? Thanks.
Product: Debt collection

Portfolio Recovery has called me numerous times. Their associates have regularly been threatening, abusive, and repeatedly ignored my requests to stop calling me. I tried to negotiate down the debt and they repeatedly told me no. Also they call before XXXX and after XXXX any given day of the week. I recently got a call last Sunday at XXXX.
Product: Debt collection

Recently a debt of {$3000.00} for a medical bill appeared on my transunion report. Prior to this I contacted the medical company bc they had sent me a bill in the mail that I had no idea what it was for, for that amount of money. I told them over and over submitted documents to them to prove that it was not me. I guess bc I dis agreed to pay this bill they sent it to transunion. It is the result of an identity theft. I have submitted affidavits to the IRS, FCA, and businesses to make them aware of the fraudulent activity I have been experiencing. Transunion needs to ha XXXX this removed from my report immediately as it doesn't not belong to me. There is also a XXXX XXXX account that shows negative on my report that I've disputed time and time again. This account was paid in full and was in good standing when closed. Please have this removed as well.
Product: Debt collection

I just got this collection about 2 months ago randomly on my credit for no reason, I have never had XXXX, I asked them multiple times to verify and validate when I got this debt verify my written signature, and verify the address, all they do is hang up everytime and the debt is not mine, this is illegal and they have no right to do so. I am very depressed about this because Its not my debt and it is affecting my credit really bad. And Jefferson capitol wont give me a copy of the debt and they basically have committed fraud, everytime I bring up verifying the debt they hang up the phone.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe there has been a mistake in this decision, and I would like to appeal for a re-evaluation of my case. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. I have not knowingly violated any of these policies, and I take the terms of service seriously. Therefore, I am perplexed by the decision to permanently limit my account. 

I kindly request that PayPal conducts a thorough and impartial review of my account activity. I am confident that upon such a review, you will find no substantial grounds to justify the permanent limitation. I am more than willing to provide any additional information or documentation required to assist in this re-evaluation process. 

My PayPal account has been an essential tool for managing my financial transactions and online payments. Its limitation has caused significant inconvenience and disruption to my personal and business activities. I sincerely hope that this matter can be resolved promptly so that I can regain access to my account and continue using PayPal 's services. 

In conclusion, I firmly believe that my account limitation was imposed in error and request that PayPal re-investigate my case thoroughly. I kindly ask for the restoration of my account if, upon review, it is found that there are no valid grounds for its permanent limitation. 

Thank you for your prompt attention to this matter. I eagerly await a favorable resolution to this issue. 

Sincerely, XXXX XXXX
Product: Credit card

I returned the merchandise and was not credited. The return receipt was provided in the attachment. No response from the merchant for this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In. accordance with the Fair Credit Reporting act XXXX  Account ( s ) XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XX/XX/2019 I opened my credit card statement and I find that on the XX/XX/2019 that Transunion charged me {$26.00}. There is no way I agreed to the charge and I distinctly remember not clicking on anything or agreeing to anything that constituted a charge. On Transunion 's website in order to file a dispute a consumer is forced to agree to a credit report " refresher '' ( see below ) I take issue with this for the verbiage is ambiguous and does not make it clear that an individual is being charged. ( naturally Transunion will contest this but any notification of charging is in the fine print as they say ) in addition Transunion has charged me a total of {$84.00} and while these charges I agreed to the fact that Transunion to the day of this writing still hasn't satisfactorily resolved my issues.
Product: Mortgage

Mr. Cooper took over my mortgage in XX/XX/XXXX and for several months, was adhering to our loan agreement by granting me the ability to make penalty-free early principal payments. In XX/XX/XXXX I removed the escrow from my loan. My monthly payments decreased. Then in XX/XX/XXXX, Mr. Cooper terminated my ability to make penalty-free additional principal payments. 

The penalty that Mr. Cooper has been charging me since XX/XX/XXXX is disguised ; it is not labeled as a penalty fee. Mr. Cooper is instead penalizing me by misapplying my additional PRINCIPAL payments as extra monthly payments. 

Therefore, I do not get credit for principal paydown. 

Each principal payment is misapplied as extra monthly or triggers reversals of my monthly payment which is then re-reversed and re-applied over subsequent days or weeks. With the tactic of misapplication, reversal and re-reversal, Mr. Cooper delays, by days or weeks, applying additional principal payments to principal. 

It is sometimes even worse. In XX/XX/XXXX, Mr. Cooper completely neglected and refused to apply my additional principal payment to principal. This happened again in XX/XX/XXXX. In a phone call on XX/XX/XXXX, XXXX XXXX XXXX made the correction by applying my XX/XX/XXXX additional principal payment to principal ( 19 days late ), but she did not modify the date to accurately represent this XXXX delay. 

Mr. Cooper 's data from their website does not show the number of days of delay, because when Mr. Cooper applies my principal payments, after taking advantage of the misapplication-reversal-re-reversal delay tactic, Mr. Cooper does not modify the payment date accordingly. 

In each phone call, I say multiple times that I want these payments to go to principal, but they do not. One customer service representative explained that when Mr. Cooper customers mail their additional principal checks to Mr. Cooper, no matter how large the words additional principal appear on the check or stub, the amount will nonetheless be applied as an extra monthly payment. When I learned that, I stopped mailing checks and have since only made payments by phone. 

Summary XX/XX/XXXX Mr. Cooper bought my loan XX/XX/XXXX I took escrow off my loan XX/XX/XXXX My monthly payment decreased from {$1700.00} to {$1200.00}. 
XX/XX/XXXX Mr. Cooper began charging me a hidden penalty by delaying or refusing to apply my payments to principal
Product: Credit card or prepaid card

I purchased an XXXX XXXX from XXXX XXXX on XX/XX/2016. - with an XXXX care package .Within 2weeks I was dissatisfied with the product & went to XXXX & got an XXXX XXXX also with an XXXX care package. I informed XXXX XXXX about this & requested that they cancel my care package. I also went to the store & told the person that I bought the phones from & that the care package needs to be cancelled. In XX/XX/XXXXI realized that there was a charge on the when I paid off the balance on this account-yesterday there was a bill due. I called XXXX XXXX & discussed this @ great length with the customer service person. He documented all the information & told me I would get a refund. I got another bill in XX/XX/XXXX & called them again & again I was told that I wold get a refund. In XX/XX/XXXXI saw my statement & called XXXX XXXX & was told that my XXXX care package was still active & that I have to pay for the care package. When I asked to speak to a manager- I was on hold for 90 minutes - no manager came on the phone to talk tome. I went to the store & talked to a manager there - I was told that I wil get a resolution & no such resolution came. I am frustrated that XXXX XXXX would report this as late & add late payment charges on this even though I am due a refund from them. Please help
Product: Debt collection

I keep getting calls from multiple phone numbers and multiple people from different locations saying they are a debt collector from Wakefield and Associates. I have NO outstanding debts. I recently got my credit report and there is nothing negative on it either. My phone is set up to report potential spam, and each time they call it says Blocked - Potential Spam. I have listened to the messages to see who called then I block the number. I do not feel safe and its stressful. 
I believe it is a scam. 
XXXX XXXX are two of the numbers most recently
Product: Student loan

In XX/XX/XXXX, Navient settled with canceling and giving restitution on federal and private loans. In XXXX, borrowers received a postcard stating this information all the way up to XXXX of XXXX. Unfortunately I wasn't notified when I clear all the qualifications stated on the www.navientagsettlement.com. 

I took out loans with XXXX XXXX before Navient took over between XXXX and XXXX, was delinquent or on a forbearance at least 8 of the 7 months required before XX/XX/XXXX ( XX/XX/XXXX to XX/XX/XXXX ), went to the XXXX XXXX XXXX XXXX, part of the XXXX. I've contacted my XXXX but was told to contact someone else about it. 

Now, Navient is contacting me asking me to settle 70 % of my loans.
Product: Debt collection

Have called multiple times, but they have never spoken to me or left a message. When I pick up they hang up. Upon looking up the phone number it comes up as Client Services, which is a debt collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of an account from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request the following account be removed from my credit file : Account to be blocked and deleted : XXXX. XXXX  XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$3800.00}
Product: Credit reporting or other personal consumer reports

This is my attempt to get this matter resolved. I've submitted my previous letter to XXXX credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. 
These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my credit file : XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 

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

Despite the multiple previous written requests, the unverified collection listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}
Product: Credit reporting or other personal consumer reports

Checking my credit report, account CREDITACPT ( XXXX ) shows late payment remarks that are inaccurate since I have not missed any payments. I have made several disputes regarding this issue ; however, the remark only seemed to 'validate ' itself according to them, but in none of their responses did they provide certified information that verifies I was indeed in delinquency. This is why I am filing this complaint, as I believe the company in question is violating the following sections of 15 : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

After reviewing my current statement For XX/XX/2019 I noticed a marked increase in my monthly payment. I called the help number and after a 15 minute wait an operator with a lovely voice informed me that stock market was the reason for the raise in my rate. That was that. I requested that my rate be lowered since Charging 25 % interest on a purchase is pretty much Usury and illegal. I was assured that by the operator the rate was ok and that I could not negotiate a lower rate but that the company could definitely raise it. Surely this company ( paypal credit/synchrony ) must be stopped. I plan on closing my Paypal credit account today but someone has to make them aware of their misdeeds. The prime rate is currently only 5 %. You can not abuse your customers and stay in business.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XXXX/XXXX/XXXX I received a XXXX form from XXXX XXXX XXXX XXXX for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number XXXX XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( Discover XXXX ) and spoke to a XXXX XXXX at XXXX time until XXXX time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX XXXX La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over 21 years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX XXXX XXXX ) but it is no longer for a collection company. So my husband called XXXX XXXX back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was 10 years old at the time they brought the account in XXXX since the account was closed by Discover in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over 21 years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, XXXX and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the XXXX and mailed it to us.