23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a Notice Of Collection dated XX/XX/XXXX.

on XX/XX/XXXX I called the number of the company, I asked for supporting documentation to support their collection amount, and more details, because the information on the letter is not correct. 
The representative simply hung up the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Absent such proof, you must immediately and permanently delete the accounts in question. 

If you continue to violate my rights, my associates and I will be seeking {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX To Whom It May Concern ; I disputed the referenced accounts above on ( XX/XX/XXXX ). 
The credit report of ( Equifax ) shows these items were deleted from my credit file. Now this items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant-to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency, Additional information. 

As part of, or in addition to, the notice under clause ( i ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of-such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracyor completeness of the disputed information. I received no such notification. 

This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report Thank you, Your Full Name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax knowingly altered my name despite legal documents verifying my name and identity. They emailed the wrong last name and refused to update their records. Faxes and physical mail were sent with drivers license and SS card yet they are the only credit reporting agency refusing to acknowledge the fact that they have the wrong name. I also disputed an address that they refuse to update. Both the name and address are associated with an ex-husband. Divorced almost ten years. I am XXXX ( the one and only ) not a representative I am genuinely concerned as a DV survivor about their business practices. 

Most recent fax sent XX/XX/XXXX This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially had a student loan with XXXX XXXX XXXX ( had set up automatic payment and deferment on the account. ). Eventually, XXXX XXXX XXXX sold the account to NelNet Loan services. ( I was not notified of the action ) as I was overseas. A credit reporting of 180 days late was reported on my credit report.
Product: Mortgage

Planet home lending would not give the payoff to the law firm. On XX/XX/XXXX the law firm contacts me saying they need me to send in a request. On XX/XX/XXXX I sent in the request. On XX/XX/XXXX o called to verify and see where we where on the pay off request. I was then told they received the request but did not process it because I did not send in the authorization for the request. While out of town I write up a document and fax it immediately. I call back that same day to verify and Im told it is being processed. XX/XX/XXXX I spend most of the day on the phone with them. I called early in the morning and was told it is being sent out today. I ask for a email when its done, Im placed on hold then the customer service guy gets back on the line and tells me they never received the authorization. I ask how it can be sent out today like he said if the authorization was not there. He informs me I can take a picture of the authorization and email it, so I did. I was told it will be processed today. I informed them throughout this process that closing was happening on Monday and throughout this process I was told it will be sent out today. Now here it is XX/XX/XXXX and the realtor calls and says they are at closing and still have not received the the payoff. This information is not something that I can see on the website and the only contact with them is through customer service who can only email and wait for a reply. Now because of their incompetence closing is being pushed back. I can not proceed with paying off my VA loan and another XXXX is stuck not being able to move in. When I call Planet Home Lending I get the same scripted information saying its being done today. This is by far the worse customer service I have ever seen.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion STILL has not fixed the problem on my credit report with the reporting of a 3+ year old XXXX account with no activity from me since XX/XX/XXXX when the car was repossessed to suddenly reporting as a recent late in XXXX and XX/XX/XXXX. I am in the process of applying for a mortgage and Transunion 's errors in reporting have caused my FICO XXXX score to decrease XXXX points due to this and my Mortgage Fico XXXX score to decrease XXXX points at a crucial time!! All other things in my file remained positive and the same. My mortgage FICO with Transunion went from a XXXX on XXXX XXXX, XXXX to a XXXX on XX/XX/XXXX and my XXXX XXXX went from XXXX to XXXX on the same dates ( see attachments ). Also note on the attachments, it looks like the error was fixed in XXXX XXXX because I received my XXXX points back, but then when XXXX reported again the beginning of XX/XX/XXXX, I lost the same XXXX points again and on XX/XX/XXXX had a XXXX FiCO XXXX again. I worked really hard to raise my score paying off everything on my credit ( except this incorrect balance on the XXXX account ) and worked to build new credit, and it is extremely unfair that Transunion dropped my score like this. I need this XXXX account to report correctly as NO RECENT LATES and revert back to being 3+ years old for lates/negative activity and need ALL my points back that were taken due to this error. This is a Transunion reporting problem and XXXX has nothing to do with it so please stop initiating unnecessary disputes and just fix the account. This is my 3rd complaint due to this problem and Transunion still has not fixed it. At this point, I will be escalating this complaint to the NC Attorney General and possibly court because Transunion is violating federal law and my rights as a consumer to have accurate information reported and Transunion refuses to correct the error. 

XXXX reported this correctly as a 3+ year late even after XXXX disputes and updates and my scores did not change. XXXX also mistakenly changed the 3+ year late to one that was a recent 1 month late account, but I disputed it directly through them and also filed a CFPB complaint on XXXX and they corrected their error. The XXXX account now reports correctly again to a 3+ year old late, and I received all my points back when they corrected. I need Transunion to fix this problem and also correct the XXXX account back to a XXXX year old late or DELETE this account from my credit. It is unreal that I still have to request that this be fixed when the error is very clear. Please fix this as soon as possible! My lease is over XXXX and I have to move but due to this error, I can't even get the mortgage I was planning to because my scores are no longer high enough due to this error. Also, interest rates are very high and this problem is making me have a lower interest rate if I could get a mortgage somewhere. Thank you.
Product: Credit card or prepaid card

I open a credit card XXXX XXXX XXXX XXXX with TJX ( TJ Max ) a few months ago. I was offered the card at checkout and a discount. The charges were {$54.00}. I paid this amount on XX/XX/XXXX. I was charge a {$40.00} late and interest fee. I paid an additional {$69.00}, I assume late fees and interest, XX/XX/XXXX and wanted the account closed, I hadnt used it in a few months. In XXXX - XXXX I have received three monthly statements and MANY text messages regarding late fees and interest. The balance is now {$100.00} and all fees and interest. The fees, interested and multiple daily text messages are outrageous. I would like the account close and will NEVER have a credit card with Synchrony Bank again. Thank you for your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are inconsistencies with late payments on my credit report. I usually pay on time, so please adjust these errors. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for this reason : XXXX, XXXX, Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX BANK # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX Bankruptcy Court # XXXX
Product: Mortgage

I was charged a late fee of {$22.00} from Quicken Loans because I made my payment late by 31 minutes. I contacted Quicken Loans about removing the late fee as I made it on the last date of my grace period, and they refused to remove the late payment. I then asked them to send me confirmation of my payment being late, and they also refused to send me that. I feel it is pretty rotten of a company to charge me a late fee of {$22.00} and then not even bother to send me documentation that the payment was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

2. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.
Product: Credit card

On XX/XX/XXXX, I chatted in the Discover app with an agent about getting an increase for my credit limit. I was told that no credit report was required for the credit limit increase. I was told that only the information I provided regarding my income and housing payment would be asked, and I assumed it was a factor for deciding the credit limit. I was denied an increase immediately and have not received any disclosure as to why. I have sent a letter asking for an increase of {$10000.00} for my credit limit as I know that Discover is able to do so with the access they have under federal law. I have been discouraged from applying for another card or another increase with Discover because of the events that have taken place.
Product: Checking or savings account

During the lockdown and pandemic during XXXX and XXXX, I received a XXXX loan due to being XXXX and needed to take care of my family. The XXXX loan was deposited into my Chime account that I had at the time. Due to merely receiving a XXXX  loan deposit, despite me explaining I am XXXX, they closed my account around 5 days after the XXXX  loan was deposited. Since that time, I have tried to open a new account with Chime and get no reason whatsoever to why I am unable to open a new account. I have discovered that there are others who had the same situation as myself who have been allowed to open new accounts with Chime. I find their generic responses and immediate denial to me to be discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and I represent myself by myself. I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Checking or savings account

I was banking with Chase. They said I had XXXX in an account. I tried to get it transferred out and they asked where the money came from. I told the. My buissness. They then said my account was closed and they would mail me a check. I never received any check or further response from them. I have about XXXX of funds they have not returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a new vehicle from XXXX XXXX, XXXX, CT. I was contacted on XX/XX/XXXX that my vehicle was delivered. I was sent the website link for Ford Motor Credit to apply for a loan to take delivery. I filled out the online application on XX/XX/XXXX at Ford Motor Credit. The website specifically explains my information will not be shared. On XX/XX/XXXX at XXXX XXXX  my application was printed and the information provided to XXXX XXXX XXXX  without my approval or notification. On XX/XX/XXXX XXXX XXXX provided me information for my insurance binder. It was at that time I was told I was financed with XXXX XXXX XXXX. I inquired why my credit was ran and shopped to other institutions. I was told that I authorized this with the consumer release I signed at the dealer when I ordered my truck. Since the dealership was closed due to covid I knew this was a lie. I did not sign any release. I decided to go forward with the purchase since I was without a car at that point since my car was sold to the dealer the week prior. On XX/XX/XXXX at delivery I was given the credit application to sign authorizing my credit to be ran. Obviously this was a moot point since my credit was already ran. I specifically did not want my credit ran multiple times and didn't care to get the " best available rate '' since my intent was to pay off the loan after purchase. I only took the loan for east of transaction. The loan was paid off the day after delivery. The second reason I do not allow my loan to be shopped it I own a small business. I do not allow my information to be shared as it could cross the desk of a local regional bank and be seen by a customer. Both XXXX XXXX and XXXX XXXX XXXX  ran my credit and shared my personal information without approval. I have worked on getting the additional inquiries off of my report for 6 weeks. The bank has not been supportive in getting the inquiry removed.
Product: Credit reporting

I recently called to check the status of the XXXX dispute I sent to Transunion in regards to public records entry on my file. I have advised numerous times that although the bankruptcies were filed, They are no mine. XXXX has verified that the public records were not mine and have deleted them from my credit file. I was advised that I have to contacted the XXXX and was advised that they advised that I did not file a bankruptcy with them. I have contacted both courts and was told that they do no furnish any information to the credit bureaus or any 3rd parties. As working in a law firm, in order to access public information for " legal '' use, you must complete a form and indicate why you are seeking this information. I have been told a number of times that an electronic message is sent from XXXX to the courts directly. Each time, the " courts '' send back a message starting that they are verified. I then ask for the name and telephone number of the individual at the court that verified the information, and the bureau is unable to provide that information.
Product: Money transfer, virtual currency, or money service

PayPal put limitations on my account for no valid reason and will not help me with getting it back and going. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

everytime i apply for credit, i get the same response saying they is no credit score for me. I applied for XXXX  today, i applied for several banks : XXXX XXXX, XXXX XXXX, XXXX. each time apply anywhere i get the same response. one of the lenders asked me to get a letter from equifax and equifax says no. when i call equifax they say nothing is wrong with my file and no lender should have any issues pulling my file. however anything on my report has not been updated since XX/XX/2018. I have been calling and talking to multiple departments and people and no one seems to help. its affecting my lively hood. i cant apply for anything because i will denied for no recent history and no credit score.