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

I'm sending this complaint today asking for assistance regarding my credit file Multiple letters were sent to EXPERIAN requesting to remove the disputed Items from my credit report as well as remove the Items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been over XXXX days and I have not received any investigation results.
Product: Debt collection

Dates : unknown Amounts : unknown Actions Taken : There have been numerous attempts to contact the company to inform them that this was a result of identity theft and the account ( s ) does not belong to me. My identity was stolen and an Identity Theft report was filed the appropriate authorities. The other companies included in the ID theft have all removed the fraudulent accounts, with the exception of this company. I have tried time and time again to discuss with them to find out what needs to be done to get this resolved. However, even after repeated attempts they have not ceased attempts to collect the debt or offered information as to how we can resolve the issue by showing further proof of the ID theft. The same letter ( which will be attached ) from the company has been received multiple times that states not details of the account or information that could be refuted. It is simply a generic letter without account info or even a valid extension for the proper individual to be reached who is handling the fraud claim. Ultimately, every call has essentially ended with the same inability to resolve the issue or even offer the appropriate steps to take in order to get resolution. The first rep said they could help, and that " normally '' they could resolve it without a problem, but that their system was down for the day and asked me to call back in a couple days later. After a few days, the next rep said they would try to resubmit the fraud claim ( even though the first rep advised NOT to do this because they said it would not actually resolve the issue ) - after they resubmitted the claim another identical letter was mailed out without a valid extension or any further info. After this letter was received another phone call was made to the company and this rep apologized that they had not correctly addressed the issue and had simply " resubmitted '' a claim that did not need to be done - however, they said they could not help either and asked me to call back later to ask for another department. After calling back and getting into contact with the " other department '' they too were unable to help and stated the the individual overseeing this fraudulent account was unable to be reached and did not have a valid extension - the rep could offer no explanation or guidance on what to do to resolve the issue.
Product: Credit card or prepaid card

On XX/XX/2019 I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX size XXXX using my Discover credit card. The seller described the shoes as authentic and charged the high price authentic shoes. When I received the shoes in the mail, it was very evident the shoes were illegal XXXX counterfeit fakes. The seller refused to allow a return or refund and completely defrauded and ripped me off. I filed a chargeback dispute with Discover shortly after being denied a return from the seller on XX/XX/2019. On XX/XX/19 Discover denied my dispute in favor of the fraudulent, criminal seller. I presented evidence from an authorized XXXX retailer that detailed the shoes were counterfeit but Discover still decided to recharge me and deny my claim. The seller presented falsified evidence to Discover and their fraud team failed to recognize this. 

On XX/XX/19 I received the dispute package with all the merchant 's evidence. The seller submitted a fake store receipt for the purchase of the shoes he sold to me. The receipt was dated XX/XX/19. I bought the shoes from the seller on XX/XX/19. How can a seller sell an item on XX/XX/19 but show a receipt as evidence that the purchase he originally made was on XX/XX/19?! This idiotic criminal seller wasn't even bright enough to create a fake receipt that is dated correctly and you all at Discover still fell for it and penalized me.
Product: Credit reporting

After 25 Years an account from XXXX showed up on my credit report with a zero balance but a past due amount of {$6000.00}. I am trying to refinance my house and would like it removed due to age and unfairness of reporting such an old debt. I have filed a dispute with Experian XXXX, but have not received any resolution as of yet.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, funds were transferred to my PayPal account by a third-party in the amount of {$1600.00}. PayPal never stated any kind of hold would be placed on these electronic funds. Immediately after the transfer -- money I was in need of right away -- PayPal placed a hold on the funds for " 21 days ''. I contacted PayPal immediately, but only receive a message from an automated system that states they are experiencing high volume and no sales representative are available. I was then directed to their website and given instruction to follow links that did not exist for " help ''. How is it possible that a massive banking institution can have ZERO customer service agents available? Secondly, PayPal deducted {$1600.00} MORE from my personal checking account and then placed these funds on hold. The {$1600.00} in my personal account was for bills to be paid. Now PayPal wants to put a hold on these funds as well for 24-72. PayPal is holding {$3200.00} for " verification '' or whatever other reason they have. I need my funds reversed and refunded to me. PayPal is holding my money, my checking account is overdraft and they have NO CUSTOMER SERVICE available. I need to speak with someone there.
Product: Credit reporting or other personal consumer reports

I have two issues with Carrington Mortgage the first is, they are not reporting my payments to any credit bureau, and second they overcharged me and didnt help me with a good mortification, my payments went up {$600.00} after my mortification, they charged me XXXX for mortification.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to 15 U.S.C. 1681b, consumer reports should only be accessed for permissible purposes, such as credit transactions, employment, insurance, or legitimate business needs. These inquiries do not fall within those permissible purposes. 
Furthermore, 15 U.S.C. 1681c-2 restricts the sharing of certain information without proper authorization. I did not authorize these inquiries, and their inclusion on my credit report is unjustified.
Product: Credit reporting or other personal consumer reports

THIS IS WITH FTC ATTACHMENT On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX. 
XXXX, XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the Item I am asking you to verify as accurate Experian XXXX XXXX XXXX Account number XXXX
Product: Credit card or prepaid card

I have been an excellent Chase Bank customer for over 5 years. I have used my premium credit card account and spent over $ 25K yearly. Over the past week I have been traveling outside of the US and have contacted Chase to request them my card activation outside of the US. I have been able to use it a couple of time and today - XX/XX/2018 my card has been declined. I have contacted Chase and been informed that all my accounts - 5 credit card accounts all with a total credit limit of over $ 60k - have been closed for no reason. I have requested an escalation and been informed that a supervisor is not able to receive my call. After contacting Chase multiple times and insisted on being provided some information about their decision, I have been left without a credit account to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used vehicle in the state of NJ in XXXX, unfortunately, my loan was approved through XXXX XXXX XXXX. During the lawsuit between the CFPB and XXXX my account was removed from all 3 credit bureaus but after the lawsuit was over my XXXX account reappeared with all the bureaus. My payment history from XXXX until the end of XXXX was wiped away -no history is being reflected. I have tried to reach out the them and to the credit bureaus stating that not only was my account readded but isn't reflecting accurate history. The majority of the information currently reflected is negative history all of my positive history is missing. Isn't it illegal to readd an account that was removed due to the violation of FCRA. My balances are never correct or up to date as well. My account number is wrong as well.
Product: Mortgage

1. I received a Certification of Eligibility for Sandy-Impacted Forbearance Certification from the New Jersey Department of Consumer Affairs. Pursuant to Public Law XXXX, Chapter 15. This certification entitles me to a term of forbearance that shall conclude upon the occurrence of the earlier of the following : the conclusion of one year following issuance of a Certificate of Occupancy for the mortgagors Superstorm-Sandy-impacted primary residence ; XX/XX/XXXX ; or, regarding a property in foreclosure proceedings, upon the expiration of 10 days This is false. I paid all escrow payments from XXXX, although as part of the Public Law, I had from 1 year of the day that I received my certificate of occupancy, which was on XX/XX/XXXX. The public law states that the term forbearance is to mean a suspense. My mortgage was supposed to be suspended during the forbearance and normal mortgage payments were to resume at the end of the forbearance period. Please read the law and all documentation and correct your records. 

2. I received a mortgage statement, dated XX/XX/XXXX, showing a monthly payment for XX/XX/XXXX of {$2200.00}. I sent payment for {$2200.00}. 
I received a mortgage statement, dated XX/XX/XXXX, showing a monthly payment for XX/XX/XXXX of {$2200.00}. I sent payment for {$2200.00} I received a response from Shellpoint, dated XX/XX/XXXX to my inquiry as to why my account is listed as delinquent. Now I am being told by Shellpoint that I am supposed to pay {$2400.00} as a monthly payment. The contradicting documents that I receive are confusing and fraudulent. Why I am being sent incorrect information on a consistent basis?
Product: Debt collection

I 've received several calls from piedmont credit and collection. They 've even began calling my precious landlord. I finally was just able to get ahold of the company and they had all of my personal info and told me that if I did n't pay {$650.00}, I 'd be served and taken to court. The person just kept saying " well see what the judge has to say. '' This is ridiculous.
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 1681. XXXX Account # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Depth of Ed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15U.S.C 1681 Section 602 A. States I have the right to privacy 15U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.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 antidotes the report by more than seven years 15U.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 in accurate.
Product: Student loan

I have been paying American Education Services for a private loan I took out in 2007 with XXXX XXXX. I have been paying on this loan for several years. The original balance was just over {$7000.00} and the interest for this loan has more than doubled the current principle. I will never get this loan paid off at this rate. This past week they increased the interest rate to over XXXX  %. I am hoping that someone can investigate this and stop this horrible price gouging. I have been late, but only late more than 30 days at one time. All of these years I have been paying, I have paid before the 30 day mark and have consistently paid this loan. Please help me and others who have the same thing happening. Please stop American Education Services from continuing to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the correction of these items from my credit report. Under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be adjusted is : NC XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I requested an Express Replacement XXXX and filed a claim with Apple Care+ on Thursday, XXXX XXXX. I received the tracking number and it stated I would be receiving the replacement XXXX on Friday, XX/XX/year> between XXXX XXXX am. I never received it. I called Apple Support to cancel the claim because my Apple Card has a {$1200.00} hold on it for a XXXX I havent received. I am unable to get updates from XXXX  or cancel the shipment and Apple refuses to remove the hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team again was incredibly rude and unprofessional, making it impossible to correct errors on the servicing side. It was too the point I deemed it tribalism and employees sabotaged the servicing of my account thereafter. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. Please remove this unlawful debt that is still showing on all my credit reports. XXXX XXXX XXXX XXXX should all be notified to remove this uncollectible, invalid debt. We will sue civilly if this problem isnt immediately remedied. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the Equifax data breach. 

I was a paid subscriber for many years, recently after I was a paid consumer I went to refresh my credit score, I was met with a prompt that before I could refresh I a had to agree to hold them not liable for the data breach. 

I got a copy of my Equifax credit report with many inaccuracies including hard pulls I never authorized, I wrote them and they refuse to investigate, they offered no evidence these inquiries are legitimate and I to, d them that I never authorized these inquiries.. the letter they sent me, ( I will include a copy ) they stated these are a matter of fact, but the the fair credit reporting act says that I had to authorize these inquiries which I did not ...
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was subjected to unauthorized charges  (  cramming ), and breach of agreement within a contract.  XXXX    XXXX    (  XXXX  ) (  1  ) Did not provide a brief, clear, non-misleading, plain language notification of the chang  e ( s ) in service cost ; ( 2 ) Deadlocked me in a contract in an attempt to make me pay for unauthorized and unagreed upon service charges, subject to early termination fees and/or other fee ( s ). ( 3 ) provided me with documentation of having a {$0.00} balance then sending the unauthorized charges to a debt collector for {$620.00}. ( 4 ) placing the alleged debt on my credit report.
The debt collector ( Credit Protector Association )   did not provide a non obstructable means to follow through in order to lodge a complaint on the account in question. I filed a bbb complaint in which  XXXX  admitted to not notifying me of charges.    XXXX  without my consent and agreement increased charges for services. It continued the contract to make it appear to be the same charge as before. After which increased charges, breaching it 's contract by breaking the agreement in service charge.