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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), 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 reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Incorrect Address
Product: Student loan

Navient acknowledges that I am completely and XXXX  XXXX and I have received a federal student loan discharge based on that ( the discharge monitoring period for that ended XXXX of XXXX ). I have no income and no assets and am in the process re-applying for SSI. When I applied for TPD relief with Navient for my private students loans, they " restructured '' some of my loans, but the payments are still completely unmanageable ( over {$200.00} per month ). I've  repeatedly asked them about at least lowering my payments and am told this is impossible. Being completely unable to pay them, at this point I am going into default and my credit is trashed. I filed for bankruptcy in XXXX, but the legal aid company I used does not do adversary proceedings and so could not address the student loans. I currently owe Navient {$27000.00}, with about {$1500.00} of it being past-due. I have 4 loans : 2 were dispersed in XXXX at XXXX University, one in XXXX at University XXXX XXXX, and one in XXXX at University XXXX XXXX XXXX. Navient says I became legally XXXX in XXXX, before taking out the final loan, so they don't consider that to be included under TPD restructuring options.
Product: Credit card

I am disputing acredit card Idid not apply for I received it at Sears They said it was a gift Idid not recieve any application for this And I paid my card off in 2014 but I keep getting billings for this and I did not use this card My payments keep going up and up my bank history payments on this card are over XXXX Plus XXXX XXXX Now they have even tried to give me a number ending in XXXX. No card with this Number my card number is XXXX XXXX XXXX XXXX I refuse to pay anymore payments on this card
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINANCE DATE OF INQUIRED ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I RAN MY CREDIT REPORT IN I SAW FRAUDULENT ACTIVITY ON MY REPORT THAT I HAVE NO KNOWLEDGE OF OR I DID NOT CONSENT TO I WOULD LIKE IT ROMVED FROM MY REPORT WITHIN 14 DAYS UNDER THE FAIR CREDIT ACT. FROM THE LOOKS OF THING SOMEONE HAS GOT MY INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX several times, to let them know I am victim of the inquiry issue. I have several inquiries that are does not belong to me. I also called Experian. 
My Name : XXXX XXXX S.S. # XXXX Address XXXX XXXX XXXX XXXX Inquiries XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX
Product: Debt collection

I have repeatedly requested that Cavalry Portfolio Services provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Mortgage

I had a phishing text message on my phone from someone who said they were my loan office at XXXXXXXX XXXX serviced by Valon. It mentioned a recent inquiry. Asked me if I need a new mortgage. I thought oh here we go again with these phishing texts as usual. I got alarmed when I discovered something was wrong with my Valon account when I tried to log into it. And into it online. I then realized it's two separate logins, so it didn't take my login id and password because I did not create one of them. I discovered something was wrong with my account on XX/XX/year>. Like seriously wrong. 

From my accounting information on a statement for XX/XX/year> for a late fee and the amounts that were being displayed. And then was told by XXXX XXXX that they would not correct my account on XX/XX/year>, until I make my XXXX payment, this account was current for XXXX And I also have a 15-day grace period. 

I felt helpless and afraid of what else could or go wrong with my account that would cause me more distress. After hanging up later I went on and made the payment for XXXX on Friday, XX/XX/year>. Also when a customer makes an online payment. Valon does not send an auto email to their clients with a confirmation number of your payment. So if you didn't take a screenshot or write it down shame on you. I feel violated by the two mentions stated above. See attachment for more details. 

This is a followup continuation to be added to complaint ID XXXX which was submitted on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a debt validation letter to I.C. System requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$1200.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), I.C. System has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C section 1681b.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is illegally reporting late payment transactions on my XXXX credit report, which has negatively impacted my credit record. 
XXXX XXXX  XXXX Account # XXXX Past due : 30 Days Date : XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I have disputed multiple accounts on my XXXX credit report including XXXX accounts with XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, multiple times during the period of XX/XX/year> thru XX/XX/year>. I have filed an identity theft claim with FTC concerning the XXXX XXXX XXXX Account. I have no knowledge of the vehicle attached to the account. There are inaccuracies and discrepancies on the other accounts that are being reported and are having a negative effect on my credit scores and financial well being. Each time I have disputed these accounts, XXXX has CLAIMED these accounts has verified that the accounts belongs to me AND are reporting XXXX XXXX accurately. However, the information that is being reported to each bureau is completely different such as balances of the account, date of last activity, date last reported, etc. These inaccurate reporting are in direct violation of the Fair Credit Reporting Act Section 623 which requires that when a company provides information to a CRA, the are obligated under the FCRA to ensure the accuracy of the information that is being furnished. It is illegal per the FCRA to report information that is inaccurate. And the credit bureaus have an obligation to only report true and accurate information. As well as to PHYSICALLY investigate disputes of these inaccurate items in which I do not believe XXXX has done at all. The credit bureau has continuously failed to PHYSICALLY PROVE ownership of the reporting of these accounts nor have they PHYSICALLY VERIFIED the accuracy of their reporting per the FCRA guidelines. They contine to electronically " verify '' these accounts via the e-oscar system. They allow creditors to " batch verify '' thousands of accounts by merely pressing a button instead of requiring PHYSICAL verification.This practice is appalling and should not be allowed. It is obviously unreliable and flawed. The FCRA states that if any aspect of the account reporting is not accurate, the entire account MUST BE REMOVED. The credit bureaus has repeatedly refused to follow FCRA guidelines. I am hopeful that you will force XXXX to follow federal law and to remove these inaccurate accounts IMMEDIATELY due to their inaccurate and ILLEGAL reporting!
Product: Checking or savings account

I opened a regular bank account with Huntington Bank online XX/XX/2022. I was able to have full access to the bank account with a debit card ( mailed to me 3 days later ). I was able to set up pay direct deposit and everything. However, after 3 weeks of having full access to my funds and receiving direct deposits from my employer at the time, Huntington Bank decided to put my account on hold until I walk into a branch and verify my SSN with a physical Social Security Card. Since the Social Security Administration was taking over 30 days to send a replacement social security card, I went to the local social security administration office to retrieve a stamped letter of receipt, verifying my eligibility to receive the replacement social security card. Ive called multiple customer service agents and bank employees of Huntington, and they all told me that they will only accept a physical social security card and nothing else. After a whole month passed as Im waiting to receive my social security card in the mail ( its still has not arrived ), Huntington then decided to fully close out the account. I called another customer service agent, and they finally informed me that I can walk into the branch with the stamped letter from the social security administration office. I was told that a cashiers check of the money that was in the account will be mailed to me. After I submitted the letter to the bank branch, the bank still refuses to issue my funds that was in the account before they closed it. The Bank started to request receipts of the money that was deposited into the account. I submitted all of the documentation requested in order to receive the check, and now they are giving me the run around about having to complete an investigation. Ive done my part, all I ask to receive the money that I worked hard for. .please feel free to ask any questions or request more detailed information if needed.
Product: Payday loan, title loan, or personal loan

XX/XX/2023 at XXXX I received an email from opploans stating that they received a request from me {$4000.00} on XX/XX/2023. Now I didnt see this email until Monday morning XX/XX/2023 because I was checking my bank account and see this large amount going to them which I did not do. I dont even have that much money in my account. I tried to log into my account with OppLoans and I couldnt. Which is weird because Ive log in before with no problem. I even have my account saved and password save to my phone. Opploans said they didnt even recognize my email address. I told the lady the billing department whats going on and all she said was I sent you a link for password. So I changed my password and still could not get in my account. It said Due to too many incorrect SSN attempts your account has been locked. Someone hacked my account went in and sent them money to payoff their loan early. Money that I didnt even have. They were on payment plan every 2weeks {$270.00}
Product: Credit card or prepaid card

I made a {$170.00} purchase at an Ulta location. I thought that I paid with my card but a new card was setup in store and the charge placed on the new account. As I didnt remember this there was a delaying in paying for the charge. I called the customer service number and asked for the payoff amount on my account. This amount {$380.00} was setup over the phone to be paid that same day. This amount was now more than double my original purchase amount. When I got my next statement it showed additional interest was charged that was not included yet I had asked for a payoff amount during my call.
Product: Debt collection

In XX/XX/XXXX ( per PayPal ) someone using my identity created an account online as a seller with PayPal. Apparently item ( s ) were sold and then a " charge back '' was initiated by a customer. It appears PayPal paid that individual {$100.00} and charged it to this fraudulent account. Since the fraudster did not pay them they put this into collections with XXXX. I had disputed this to PayPal and they denied my dispute, without explanation. 
In XXXX, I received the first notice from XXXX that this debt was in collections. I contacted XXXX XXXX, a service that was first provided to me as a result of the XXXX breach in XXXX. Together we contacted both XXXX and PayPal to explain this was fraud. We were advised to proved XXXX with a police report and FTC Identity Theft Report as proof of identify theft. That was sent to XXXX on XX/XX/XXXX. On XX/XX/XXXX I received the response from XXXX. Letter was dated XX/XX/XXXX and stated that PayPal has rejected my dispute again. They did not disclose any reason why it was denied this second time either. 
Conversations with PayPal have been a series of transferred calls and no communication as to why they have determined this fraudulently opened account was a valid account. 
One day after receiving the response from XXXX on XX/XX/XXXX ; a representative from XXXX was already calling me and asking me when I am going to do to settle the debt.
Product: Credit card or prepaid card

On XX/XX/XXXX chase bank closed all my credit cards in error on a fictitious reasons. Ive been a perfect customer, never late always paid my ballance in full etc. Ive called the chase execitve office multiple times. Spoke with the officers which supposed to upload my info and them some other big heads make a decision. Chase execute ppl make you feel that we are the small customers waiting on their mercy. Anyway Ive offered to show them my bank accounts, prove my income to show them that is many times over the credit line Chase offered me. Closing my accounts have also caused me to have some fees with the bill payments Ive had set up with my chase cards. Chase is discriminating against customers with theirs rules demanding that customer has only so many other financial service per period excluding their service. Im sure this will make for a great class action A law suit if the right customer get together. Im demanding Chase to reopen my SW rewards cretit card immediately!
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/1990 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Debt collection

This number keeps calling my cell phone. They also called my sister looking for our Brother.     They are lying and saying he has won something and they are clearly a collection agency.     Both mine and my sister 's phone # are on the national do not call list.     Thank you!
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card

I originated a Plus Membership account with SamsClub membership in 2020. Somehow, Sams Club partnered with Synchrony since I became a member. 
I attempted to speak to the CEO of Sams Club regarding the way Synchrony is conducting their business but there is no way to speak to a CEO. So here is my concern : I pay my bill sometimes twice a month and many times more than the minimum payment. Yet despite my payments, I have been charged late fees.. On the XXXX statement, it shows a late fee of {$29.00} However it also indicates a payment of {$50.00}. 
Then again in XXXX, I was charged a {$40.00} late charge Yet posts show my payments XX/XX/XXXX, {$50.00} XX/XX/XXXX, {$50.00} XX/XX/XXXX {$40.00} late charge XX/XX/XXXX {$40.00} late charge All of the above is an accounting issue. NEXT! 
I received a message in my email that there was a message from Sams Club When I opened up my account a message popped up that I needed to call customer service. I called Customer Service and the 1st thing they say is in order to speak to me, they must verify who I am and they ask me for my name and the last 4 digits of my social security. I give them that information and then they infom me that they would send a link to my phone that I must do a video of myself. I told them that I did not wish to expose my image over the phone, or the internet and then they said I would receive a letter where they would require additional documentation like a copy of my drivers ' license, I told them that I would be willing XXXXo drive to Sams club and personally show them my drivers license but they said that club has nothing to do with the credit department. But it is sams club that initiated the credit. Had I known Synchrony bank or a third source would be handling my account, I would have not applied. 
I feel like they are infringing on my privacy by trying to force me to jeopardize my physical identity over the phone, internet or mail. They already authenticated me by asking me my name and last 4 digits of my social security number. It is my belief that sending this information is risky and because I refuse to do this, they refuse to discuss why I am being charged late fees. And Further they have stopped my purchase.
Product: Debt collection

The company did not provide a signed contract from the original credit that I owe. They keep providing old bills and this doesn't mean anything.. Looking back at the date the accounts were opened. I was affected by a natural disaster and was unable to make any payments. Please the attachments. I did not have a place to stay and wasn't working. 



Portfolio Recovery Associates {$490.00} XXXX Portfolio Recovery Associates {$750.00} XXXX
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604A Sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15 USC 's 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.
Product: Credit reporting or other personal consumer reports

My account is with XXXXXXXX XXXX My credit report is showing that I have a maxed out balance of {$13000.00} when it was paid off in the month of XXXX. Equifax did not report the updated balance as paid in full since the last payment in XXXX. The last report was around XX/XX/year>. Equifax said that XXXXXXXX XXXX  did not report the paid balance. However, XXXX and XXXX shows the updated balance from XXXX. As a result, XXXXXXXX XXXX  reduced by Credit limit to {$2300.00} from a {$13000.00} limit. I called XXXX to investigate the incorrect balance reporting and the reduced limit and they still have not corrected this info.