23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a payment arrangement and contract with XXXX XXXX XXXX in the beginning of XXXX and have made the payments on time, however XXXX has been reporting my payments as delinquent and that is an error. The arrangement was to lower the monthly payment temporarily and XXXX agreed to this, but reported to the credit bureaus in error and did not report to the credit bureaus accurately reflecting this change. The payment plan we have in place has been paid on time and the loan is being reported as delinquent when it is in fact current with our existing agreement and has been. All letters I have asked for verifying this have come without company letter head and also state the original monthly payment amount which is not relative to our payment agreement or my on time payments which are NOT delinquent as erroneously reported. Your letters say that I am past due, however the payment plan was paid as agreed and that is misleading information. The letter also does not reflect the on time payments for six month unemployment plan. I have never missed a payment as agreed with your company and yet you are still reporting me as delinquent. All payments under the new agreement have been made as agreed and XXXX is not reporting the loan unfairly and unethically to the credit bureaus as delinquent which reflects as if I am not paying the loan at all, which is not true because I am current with our agreement. A new agreement was made to defer payments on XX/XX/XXXX and it is still being reported as delinquent. It is not fair to report the payments as delinquent when the payment plan is paid as agreed. My credit score has went from the 600s to the 400s because XXXX is reporting the monthly payments as delinquent and that is FALSE. The monthly payments are current according to our agreement and I would like XXXX to current the false reporting and backdate the delinquent payments as current according to our plan.
Product: Student loan

Dear Attorney General, US Department of Justice, and Department of Education Just so you know what XXXX XXXX is doing to my account. 

I made a payment online on XX/XX/ in the amount of {$190.00} it was processed by chase on XX/XX/. 

On XX/XX/ fedloan placed my account in forbearance without my authorization stating the Department of Education notified them that I was in a disaster zone. I said which disaster and the rep said she didn't know. I do not live in a disaster zone. 

I told her to take me out of forbearance. I called back, to confirm it was done, then the automated service said I was 9 days late.. The payment once again I made was cleared by chase on XX/XX/XXXX. The forbearance letter is also dated the XX/XX/XXXXthe same day my payment was made. 

I was forced to make an additional payment of another {$190.00} in panic tonight XX/XX/ as the automated service said I was 9 days late even though the payment on my account said paid.. 
Now I have given XXXX XXXX {$400.00} this month and next month they increased my loan payment to {$190.00} what's going on????
Product: Credit card or prepaid card

An unemployment claim was opened in my maiden name fraudulently by someone other than myself. I attempted to contact Az UE to report the claim as fraud. I was unable to speak with a representative. Therefore, I wrote in bold print on the eligibility letter " THE CLAIM IS A FRAUDULENT CLAIM '' and cut up the XXXX debit card and returned the letter and the card back to the Unemployment Office on XX/XX/27. I also reported the claim as fraud online. I have yet to hear back from Unemployment. Today I received a debit card from U S Bank RellaCard. After some research I've learned this is also a debit card to receive Fraudulent UE benefits. I am spending tireless hours trying to report this to the right people and prevent the claim from being paid. How do I get my name and SSN flagged. Please advise ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to get acccess to my credit report. All attempts have failed. The system does not recognize my user name, so I have it send it to my email. I then copy and paste it to avoid typos. The system says that is not my user name. I try my email. The system does not recognize it, although Experian sends me emails EVERY DAY. I try to change my pasword. Sometimes, I can, and then when I log in using that password, the system says it is wrong. I try calling. There is no way to reach a person. I finally got through to someone using the XXXX messages. She was unable to help She said it was forwarded to tech. They have failed to contact me. I am now blocked from commenting on their website. I see that many people are having this problem. It is a vey good way to make sure that people can not file disputes. In a previous complaint, Experian said they were sending the report. They did not. They lied to you. A paper copy of my report does not help if I can not get into the system to check my report and file disputes.I want access to my account. I want a phone number to call a person and not go through a lengthy process to get past a robot that fails to understand what I am saying. They have made contacting them IMPOSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX ) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completed XX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit card or prepaid card

XXXX payments in full to Comenity Capital Bank BJs credit card made from my bank through bill pay have been received on time but XXXX of {$1200.00} on XXXX  was applied XXXX days late. The other payment of {$1200.00} on XX/XX/ was received, cashed but never applied. These have resulted in continued monthly late fees and interest. I have attempted to resolve the issue with multiple phone calls. They were extremely unhelpful and actually asked for another payment. Then a dispute was started in the message system of Comenity Bank on XX/XX/. They have continued to charge late fees and interest even though they said they would not during the dispute. Further, a letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX outlining everything again. Attachments of bank payment details were provided. I have only received XXXX form letters advising me it was under investigation.
Product: Credit reporting or other personal consumer reports

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the bank associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent accounts since the submission of the requisite documents. I demand that you remove these fraudulent accounts from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX and XXXX XXXX according to 15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) " Consumer '' defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never had an account with Verizon. This account is not mine. I have disputed it before but the company refuses to communicate with me or remove the account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing derogatory public record that is on my credit. On XXXX XXXX I opened a dispute report # XXXX with XXXX, XXXX  and Transunion. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XXXX, XXXX  and Transunion and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.
Product: Credit card or prepaid card

This bank is being very unfair with me and I feel discriminated against based of a previous account t I had with them which is closed was closed canceled I paid it off and recently applied for a card with them they refuse to process it check my credir giving internal reason about previous account this isnt fair this is not what they told me at the time of closure that I wouldnt be able to have a new account or reapply its not fair their credit dept treats me like garbage I want. My Hiltons card and they wont even process it their systems XXXX I regret nkt being a customer I want to comeback and be a Cardmember but they wont let me they refuse to process my application
Product: Credit reporting, credit repair services, or other personal consumer reports

The EQUIFAX credit reporting agency is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting this violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The accounts listed below are inaccurate. EQUIFAX has not taken the correct steps to evaluate the information. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had short sold my home in XX/XX/XXXX. My mortgage company was Green Tree Financial. They reported to the credit bureaus as normal. Since then I have been rebuilding my credit and as of XX/XX/XXXX they are re-reporting my short sale on my credit under a new company name of Ditech. It is showing an {$88000.00} balance owed and they are reporting 30, 60, 90, 120 day late payments. This has brought my credit score down over XXXX points.
Product: Credit reporting or other personal consumer reports

I logged into the Equifax website with previously set up login information. I was surprised two-factor identification was not required. Furthermore, there is no way to set this up. There is no place on their website to facilitate this basic security measure. When the company was contacted by telephone, they did not answer the question about how to set it up. They wouldn't admit they don't have the service available. 

In this age of hacking and cyber vulnerabilities, that is unacceptable. Especially for a credit bureau charged with ranking personal credit scores and monitoring credit. Equifax has suffered security breaches in the recent history. I have no way of knowing if my data was breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in contact with XXXX since the beginning of XXXX  when I notice a Bankruptcy reporting to me credit report along with hard inquires listed below. There only response was that this information belong to me and was verified. I demanded the method of this investigation contacted the Illinois Bankruptcy court and they said they were not reporting this information. This has hurt me tremendously I've been denied credit and turn away from living and job opportunities. 

hard inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ALSO THESE ADDRESS ARE REPORTING TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : THESE NAMES XXXX XXXX, XXXX XXXX XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX INQUIRIES XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This complaint is executed to dispute and seek immediate correction of inaccuracies reported by Experian regarding one account that was fraudulently opened in my name due to identity theft. 

Specifically, the XXXX XXXX XXXX credit card account ( Account Number : XXXX ) was opened on XX/XX/XXXX, as an individual account. The account has since been closed, with the status updated in XX/XX/XXXX. However, I did not open this account, nor did I authorize its use. 

As a victim of identity theft, I formally request that this fraudulent account be removed from my credit report immediately.
Product: Credit card

Made a payment on XX/XX/XXXX for {$940.00}. XXXX cleared on XX/XX/XXXX. Payment was marked returned on XX/XX/XXXX and I was charged a returned payment fee. I was not contacted by the creditor until XX/XX/XXXX when they called to tell me my minimum payment was due. I asked them why a payment was marked as cleared for over 90 days then suddenly marked as returned. All the information they could give was that it was returned for " closed account ''. I asked for the information about the payment, such as what account and routing number was used, what financial institution returned the payment, and all they could give was the date of XX/XX/XXXX and that it was returned for a closed account. I can not find any payment history on their website because they changed their computer system that handles my account, and they state the reason they don't have access to the information about the payment is due to the transition to the new system. They say the only information about the payment is that it was returned. I asked if I could dispute the charge for the returned payment and they told me my only option was to pay it.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Several accounts appeared on my report that I did not open. I am distressed that this incorrect information has been included in my credit profile and that your procedures failed to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information, and every effort must be made to ensure this accuracy. I have already contacted the Federal Trade Commission and filed complaint # XXXX. 

I request that you block and eliminate all inaccurate information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Please ensure the removal of all information related to identity theft, including : 1. XXXX XXXX, Account number : XXXX. 

Additionally, under the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand actual proof that the information was verified, not just a computer-generated confirmation. 

Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information, so I can follow up. 
2. The dates on which you contacted the individual information furnishers.

3. The method of communication used to verify the information.

Thank you for your prompt attention to this matter.
Product: Debt collection

Constant phone calls from multiple different numbers. 8 calls XX/XX/2010 calls XX/XX/XXXX. 58 calls between XX/XX/XXXX and XX/XX/XXXX. It's automated. Sometimes it rings once and then drops the call. It's excessive.
Product: Credit reporting or other personal consumer reports

as per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from a advocacy group helping me due to XXXX  XXXX  debt bondage which falls under XXXX  according to XXXX  debt final rule 1002,142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request you block and remove this information from my report within four days pursuant section 605C of the fair credit reporting act please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo- took me several days to add a bank account to withdraw money to. Then when I made the withdrawal request to transfer the money to my bank account from Venmo, they froze the account. THen they requested id upload. I uploaded my drivers license. Account is still frozen and they are holding my money. They froze it for no good reason.