23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery continues to call my cell phone multiple times a day from different numbers. The only thing I have on my credit report is something from 5-6 years ago which is beyond the statute of limitation in Texas. They have done this to me XXXX in the past year and even had me served. They made me so scared and nervous that I ended up breaking down and paying what they asked for ( XXXX ). Portfolio Recovery even took a 5 year old debt, sued me for it and then re-reported it on my credit report as a new debt. Can they do this? This company is relentless and will not stop. Even this morning the calls have begun and will not stop. This is harassment and against the law. They should be allowed to harass people and collect debts that are so old. 
Can someone please assist and help? I can not afford a credit attorney. I 'm being threatened by Portfolio Recovery they will sue me again and harassed by threatening phone calls. 

Thank you, XXXX
Product: Debt collection

I have no collection or debt to anybody. I re open my XXXX XXXX account and I just saw these collection but I dont know what is that. We never felt on the debt and also before I dispute one more time one collection like this collection and they remove from my account. These 4 collection not related with my or one of my family Thanks 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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the list of the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS THE NERVE TO SEND ME A LETTER SAYING UNLESS YOU SEND US ADDITIONAL RELEVANT INFORMATION TO SUPPORT YOUR CLAIM WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN!!!!? THE NERVE REALLY!! HOW ABOUT STOP WASTING MY TIME AND MAKE IT RIGHT!!! 

ATTACHED IS MY CREDIT REPORT THAT THEY'RE SAYING IS SOOO ACCURATE!! GIVE ME A BREAK!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : This item American Education Services/XXXX XXXX ( AES ) Student Loan Account is inaccurate because this account is not a joint account and was not reported on my credit report until I began making payments to the account on behalf of my ex-wife. The account was opened on XX/XX/XXXX and did not begin reporting on my credit report until XX/XX/XXXXwhen I contacted AES/XXXX XXXX at XXXX to make payments. This account was never on my credit report prior to XX/XX/XXXX. While attempting to get AES/XXXX XXXX to remove this account from my credit, associates told me that I could not change the repayment status ( apply for deferment/hardship ) if I went back to school or had any other qualifying deferment situation. The only person who could apply for such status change is my ex-wife. This account is solely in her name, however they now list it as a joint account on my credit. 

AESXXXX XXXX also increased the balance of the account by XXXX dollar without notifying my ex-wife which I discovered through XXXX XXXX which resulted in my credit score decreasing XXXX points. 

I have contacted AESXXXX XXXX and asked them to remove the account form my credit and they refused. I filed complaints with the three credit  reporting agencies and I am not satisfied with the outcome of their investigations. I sent certified letters to AESXXXX XXXX and XXXX detailing why this account is not a joint account and not in my name. I attached copies of Credit Report Prior to XX/XX/XXXX ; Credit Report as of XX/XX/XXXX ; XXXX XXXX Payment History and Bill Payee Account Info ; XXXX XXXX XXXX Call Logs.
Product: Checking or savings account

I am trying to close two accounts that my dad, XXXX XXXX XXXX, had in a Trust, he passed away XXXX, XXXX. The beginning of XXXX I attempted to close these accounts but the person at the bank said my son would have to come to the bank and sign the paper. I explained to her that he lives in Connecticut  and to p, ease send him the form to be signed and notarized. She flay out refused and said he must be there in person. There are no branches in Connecticut. Then she said they sent the papers to their attorneys and they want a letter of I opinion of who is going to take over the Trust and also a court order stating who is the executor of the Trust. The papers I ache attached clearly state all that. They are legal documents which stated that my and my son are the executors of this trust. I notified my attorney and she said they are being ridiculous and it would cost me more than what is in the account. We are not ever going to probate as there is nothing to probate. I have attached all the files for you to see. In addition, they are now charging me {$12.00} a month to maintain the account they won't let me close. It is the XXXX XXXX XXXX. 

The person at the bank I am dealing with is XXXX XXXX ( not too sure of the last name ) XXXX The bank is Truist Bank and the branch is XXXX XXXX XXXX, XXXX, TN XXXX Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX FAILED TO REMOVE THIS ACCOUNT NO # XXXX AS PROMISED in several LETTER. PLEASE RE-DELETE XXXX XXXX XXXX ACCOUNT FROM her INNOVIS CREDIT REPORT TODAY. THANK YOU.
Product: Money transfer, virtual currency, or money service

I was scrolling on social media one day and came across something about palm reading. It seemed interesting so I went through with it. Towards the end, in order to get results I had to pay {$1.00} which was not a big deal to me. Going through the steps it led me to a website called XXXX It said something about {$1.00} for a 7 day free trial and then I can see the outcome of my results. I paid {$1.00} on XX/XX/year> and I go to cancel the free trial the next day. I was only given limited features even with the free trial so I didnt locate a cancellation link under my account nor a contact form within the website. On XX/XX/year> is when I went to try and cancel the free trial early before I forgot about it. I also checked my bank account and noticed I was already charged the full amount of {$45.00} for the full subscription but Im only on day 2 of having the free trial. Once the transaction settled I contacted Chime to file a dispute and explained everything to Cust support and the dispute came back denied. The website appnebula doesnt provide refunds but this is in fact fraud. I contacted Chime again on XX/XX/year> to re open the dispute. They sent me an email from a non reply address requesting info to help in my dispute. I cant reply to the email as it doesnt accept incoming mail and theirs no portal to submit documents as the original dispute under dispute history tab doesnt allow it for the re-opened dispute. They gave me a provisional {$45.00} credit and days later on XX/XX/year> the denied the claim again, reversed payment which cause that Chime account to go negative. I requested information used in their investigation with my initial claim and was given insufficient evidence. They literally used what was supplied to them from me.
Product: Credit reporting or other personal consumer reports

I am responding to the recent investigation and do not agree with your findings. I believe the creditors were not adequately contacted, and I need more information regarding these accounts : Experian XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4900.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4700.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00}. Under the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Provide the names and addresses of persons contacted. You have fifteen ( 15 ) days to complete these actions, unless otherwise notified. Failure to verify within this time constitutes non-verification, and the accounts must be promptly updated according to Section 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to Equifax regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Equifax is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Equifax has not provided me with any VALIDATION OF THESE ACCOUNTS. Equifax constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Equifax what did the company VALIDATE with them, and I have repeatedly been ignored. Since Equifax and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from Fingerhut and Capital One Bank to remove from my credit file. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Product: Vehicle loan or lease

I have been a customer of Wells Fargo Bank for the past 45 years. I currently have had an auto loan since 2020 - I also have direct deposit, I read that Wells Fargo has had issues and they have been ordered to pay a settlement- I believe that I should be paid.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Item : XXXX Account # XXXX The amount {$730.00} I just looked at my credit report and was shocked to see this disgracing error you have listed. I am writing to have you delete it immediately. 

By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 

This is an Open account that is inaccurate. There was never an agreement nor can this claim be verified. This derogatory mark is holding me back from buying a home. Being that my credit is very important to me, I Am willing to meet you at a half point with a payment. Only if you can guarantee a FULL DELETION of this error on my report. I also request that you provide me an Update of my Credit Report due to your deletion of this error. Please be advised that under Section 611 ( 5 ( a of the FCRA- y
ou are required to. " promptly delete all information which can not be verified ''
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. XXXX  as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts.

XXXX  refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the US XXXX All my credit is in XXXX XXXX where I live and work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX-XX/XX/2017 I called XXXX  to tell them about a double account that been reported for T.D Bank and I explain to them that one of those account is open and the other one is closed and but I never mention my account as fraud and they removed it and T.D Bank has closed my account because of identity theft which is not true and later on reopen my account back and it hasn't been reported back to XXXX at all and it only being reported to XXXX and XXXX  at this Time now I contacted TD BANK to see if they can reinserted back to XXXX report but they didn't do it and I kept getting letter from them saying that im giving them insufficient information to them and they were no help to me and I need to have this credit card reported back my account number is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, 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. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$4800.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$44000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, my personal information was stolen and used to open several different accounts. I submitted an FTC affidavit and a report from my local PD disputing these fraudulent accounts. I have not authorized the openings of these accounts and have no information on who opened these accounts. I have submitted several disputes to Experian, XXXX and XXXX  and they are refusing to remove these fraudulent accounts. I contacted the companies listed on my credit report for these fraudulently opened credit accounts and they could not give me information pertaining to these fraudulent accounts because I was told " my information does not match what is listed in their system. '' But every time I submit a dispute they are sending documentation to Experian, XXXX  and XXXX saying that " I am the verified account holder. '' THESES COMPANIES HAVE ALL SUBMITTED DOCUMENTS INCLUDING A POLICE REPORT AND A FTC AFFIDAVIT. 

ACCT : XXXX/XXXX XXXX {$210.00} XXXX {$4600.00} XXXX XXXX XXXX {$10000.00} ( These 2 accounts were removed and purchased by another lender and put back on my report ) XXXX XXXX   XXXX {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

For 10 yrs I have been paying weekly mortgage pymts : the amount due plus extra principle ( see numbers below ). 

My pymt : $ XXXX/week x 52 weeks/yr = $ XXXX/yr / 12 months = {$970.00} per month. 

Amount due : $ XXXX/month I recd a call from Huntington Bank XXXX ( Spoke to XXXX XXXX ) stating that " as of XX/XX/2018 Huntington no longer accepts partial payments '' and that my account was over due $ XXXX {$25.00} late fee and that my weekly pymts were not being applied but being held in a " suspension '' account posting once per month. I believe this is unethical ( lazy ) behavior and that weekly pymts are protected by the consumer protection laws. By not applying the weekly payments the bank is : 1 ) Holding consumer money for their own benefit.

2 ) Causing financial harm to the mortgage holder because the principal is paid down slower and adding more days of paid interest ( i.e. more revenue to the bank ). 

The banks should be posting the weekly payments " as received '' to allow for responsible home owners to pay down their mortgage faster with less interest expense. 
The representative also said she would re-send the letter that was mailed in XX/XX/2018. I open all my mail and have no letter, email or message on Huntington website login. I'm fairly confident that no communication was ever sent.
Product: Checking or savings account

On XX/XX/2022 I was notified by my financial institution that I had withdrawn funds in the amount of {$100.00} from my checking account which I did not do the ATM in question is located within the XXXX pharmacy at XXXX XXXX XXXX XXXX, NY it was later found that there was a device placed in or on the ATM machine the representative from XXXX stated that the XXXX was notified but Discover Bank has failed to make this right
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previous submitted a dispute to these companies in effort to resolve this matter. I have previous submitted a dispute asking this company for a investigation. I filed a police report, FTC REPORT and identity theft affidavit a obtain a lawyer and this matter is in litigation which this company is violating my rights by attaching this account to my file into the matter is resolved in court. This company said this account is not on my credit file I have proof from this company that I have attached the credit report directly from XXXX XXXX  and LexisNexis. Please hold this company accountable for inserting a account on my credit file without accurate information and not following fair credit reporting act 605 when a investigation is in litigations. Thanks