23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collection agency is trying to collect a debt I already paid over a year ago. They never made any attempt to contact me via telephone or letter informing me of such. I only found out because of an alert with a credit monitoring system I have. They never notified me giving me an opportunity to dispute the debt and show proof that it has been paid. The original creditor hired them because I threatened to sue them regarding another matter. They are purposely trying to hurt my credit and it has worked thus far because I have been denied credit baised on their fraudulent actions.
Product: Consumer Loan

According to the last XXXX BBB claim notices, AVANT was to credit my account over {$400.00} in fees/interest. In the last statement sent to me via email, it is very clear that this was not done. In fact, every time I asked for an audit, " funds '' were incorrectly managed or applied and the amount I owed increased. This happened on several occasions. I have saved all of these emails from AVANT
Product: Payday loan, title loan, or personal loan

I have documentation that national credit adjusters, account number XXXX, reduced total do from XXXX to XXXX and I put XXXX towards the XXXX and have been paying XXXX by weekly without a missed payment, therefore my total should be approximately XXXX left on my balance, just need it to be corrected on my credit report, and I will be contacting national credit adjusters as well to get this corrected. I can send you the documentation that I have, if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX, I needed to remove judgment liens on my home. I was told by lawyer I had to file bankruptcy so i did in order to to remove them. I was never aware of the process called reaffirming mortgage loan with lender, as a result the lender reported my loan as delinquent and included in bankruptcy instead of reporting payment status ; paid as agreed. Also, XX/XX/XXXX all XXXX  credit agencies marked I was delinquent from approximately XXXX through XX/XX/XXXX which has a negative mark. However, I never missed a payment nor was I ever late and I have about XXXX pages from the lender showing all payments on time, yet no one/company will remove the negative mark for XX/XX/XXXX. I also noticed that the agencies did not receive payment history several months prior to XX/XX/XXXX which shows I was delinquent or derogatory. 

All three credit agencies and the mortgage company XXXX. XXXX has not only defamed my name, they also are fraudulently reporting incorrect information about my payment history and status. 

I have disputed this claim about XXXX times a year written in different ways in hopes they would understand their errors. To date, they, XXXX XXXX still will not acknowledge their errors, therefore the XXXX agencies are still reporting Im XXXX for that mortgage. 
I sold that home and paid in full to the lender on XX/XX/XXXX. Ive been trying to get another home loan which has been difficult due to this mortgage lender reporting false information. Because Ive been defamed, and credit score has lowered due to this reporting error my quality of life has diminished to living in a rv and homeless. I deserve to have my quality of life back and these companies are destroying my XXXX an XXXX XXXX as a result. 

Please force them, XXXX XXXX to report correct information as I paid as agreed from XXXX through XX/XX/XXXX which was when I paid them in full, to remove the negative mark on XX/XX/XXXX and add all payments as positive, on time and never missed a payment so all XXXX credit agencies have the correct information to change the false information about the payment history for that loan.
Product: Debt collection

XXXX IS THREATENING LAW SUIT TO COLLECT ON A DEBT I DO NOT OWE TO CAPITAL ONE BANK IN THE AMOUNT {$2400.00}. THEY SENT NOTICE CERTIFIED MAIL WHICH WAS HANDED TO MY MINOR SON AGE XXXX XXXX XXXX, I 'VE ASKED CAPITAL ONE BANK TO SEND VALIDATION OF DEBT WHICH WAS NOT RECEIVED YET THIS HAS BEEN ON GOING NOW FOR TWO YEARS WITH THIS SAID COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Ive been trying to use my Victoria Secret credit card for the last 4 days with all charges being declined. Every time I call Comenity Bank they say due to unforeseen circumstances our offices are temporarily closed. I cant access my online account, I cant view my statements, I cant pay a bill. I cant do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian for proof of validation for several items but instead I was sent a copy of my credit report. I demand that XXXX XXXX  XXXX in the amount of {$840.00} be immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account, that I have disputed multiple times with XXXX XXXX and the late payment they are inaccurately reporting on both of my accounts and continue to reflect on my credit report. Although it was assigned to someone who was supposed to investigate further after I filed a XXXX  report, they never corrected the late payment on my report. On XX/XX/21, I made a payment of XXXX, which took care of the amount due for XXXX on account ending in XXXX and XXXX on that same date for account ending in XXXX. The month of XXXX, I was switching bank accounts, which cost me to not be able to make payments for that month. I did not make another payment until XX/XX/XXXX for both of those accounts, which were paid in full, however would have caused me to be more than 30 days late for the month of XXXX and not yet for the month of XXXX. The due dates for XXXX was XX/XX/XXXX and XX/XX/XXXX. 
I was more than 30 days late for the month of XXXX and only about 12 days late for the month of XXXX. By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due for the month being reported as late. I have disputed it with all the bureaus and rather than do the right thing, they are continuing to validate the inaccuracy as 30 days late for XXXX to MALICIOUSLY cause harm to my credit, rather than reflecting the true status of the account. Since XXXX XXXX is refusing to report accurately I would like this tradeline removed from ALL of my credit reports before my only option left is to engage not only the State Attorney General, but a FCRA attorney. IF they decide they would like to keep reporting GROSSLY INACCURATE information.
Product: Mortgage

Freedom Mortgage debt my account too many times via ACH withdrawal. When the transaction didn't process they didn't credit my account correctly. The whole account system is screwed up. They don't even know how to correct an error even after Identifying the mistake they made. Their online service is not a true reflection of how your payments are made. They make changes to best fit their wishes. Undertrained employees to process loan payments. They should not be allowed to service most people 's largest investment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my equifax credit report I realized that there were inquiries being reported that I did not authorized. I contacted equifax and informed them of the inquiries and they did nothing to help. The representative was very rude and did not provide any assistance.
Product: Mortgage

Please see attached complaint. Although this case was voluntarily dismissed I would like you to investigate and correct any unfairness by the banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 address has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX this address is undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Debt collection

On XXXX/XXXX/XXXX Portfolio Recovery Associates, LLC took out {$160.00} out of my wages. I never received any notification that they were going to do this. I called the XXXX XXXX center with my employer to find out why there was a garnishment on my check and they told me that Portfolio Recovery Associates, LLC took this money because is was accrued interest and fees from an account they had previously collected on. Approximately a year ago Portfolio Recovery Associates, LLC garnished my wages and I fulfilled my obligation but now I get charged for interest and fees and without any prior notice.
Product: Credit card

My XXXX statement had XXXX limit with XXXX available credit. 

I purchased tires for XXXX XXXX, after I did that, they dropped my credit limit to XXXX. 

I called and they said it was because my XXXX XXXX dropped. 

Now, my XXXX statement says I have a XXXX minimum payment due. 
And I'll be charged XXXX late fee if it's not met.

Im disgusted at this. It's not right!
Product: Credit reporting or other personal consumer reports

In my previous complaint I explained how I did not receive a notice that XXXX XXXX was going to furnish negative information on my credit reports to which they did NOT address a single concern. Here 's the complaint number XXXX. I requested that they send me the tracking number or a green return card receipt bearing my signature in order to prove that I received or even was sent a notice at least 5 days prior or 30 days after that they would furnish negative information. Instead of responding to my dispute they just claimed that they are allow to report .... That is NOT my dispute. I did NOT dispute whether they can report or not. I demand to be send with the evidence that they are complying with the Fair Credit Reporting Act section 623. If they can not then I demand that they either modify my report by removing all negative information ( 15 U.S. Code 1681s-2 ( b ) ( E ) ( i ) ) or remove the entire account ( 15 U.S. Code 1681 ( b ) ( E ) ( ii ) ). Please see attached. If this company does not comply with request by providing the requested documents OR updating the reporting to never late OR deleting the account from my report, I will seek legal action for willful noncomplaince.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed a collection account on my credit report in XX/XX/XXXX. They brought a civil suit against me ; however, the case was dismissed. The item remains on my credit report. The item should not be on my credit report and should have never been placed on my credit report. It needs to be removed. 

I disputed information regarding XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have provided supporting documentation each time to the credit bureau. The last time I disputed, I notified them that they could reach out to the court house to obtain proof that the case against me was dismissed. The collection item still remains on my credit report. 

This collection item needs to be removed completely from my credit report.
Product: Credit card or prepaid card

On XX/XX/22 I attempted to make an early payment on XXXX XXXX Citibank credit cards that I have. I was blocked from access to my accounts and called customer service to ask what was going on. I was told that my accounts were closed and under attorney control. I have spent over XXXX hrs. the past XXXX days trying to find out why this has been done. Both of my accounts are current. They have never been delinquent or over the credit limit. There was NO Reason for my accounts to be sent to collections and I did not close them. I cant get answers from anyone at Citibank as to why they have done this to me. I also have no way to make payments on the cards because they wiped me out of their system and blocked my access on line. I need answers NOW and a way to make payment. My next payment in due on the XXXX of this month and I have no way to pay it. Please help me!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB law suit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle has failed to investigate claims adequately. They informed that recovering lost funds are impossible.this leaves for scammers to be vulnerable. This lack of transparency is unacceptable and it raises concern to safety measures.
Product: Debt collection

I am filing a complaint about Portfolio Recovery Associates They have not provided me with documentations show and proving they are in Fact the owner of a account they have listed on my credit report and with negative or derogatory status. Portfolio Recovery Associates is illegally attempting to extort money from me by causing financial harm to my name and legal person. Extortion is a federal crime. Portfolio needs to provide the proper paperwork, not a copy of a old bill and statement. I need to see some type of contract agreement between their company and myself with legal and binding signature of contract to include XXXX XXXX # XXXX, # XXXX
Product: Credit reporting

I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to request a correction of the following information that appears on my Experian consumer report : Dispute : Account Number or other information to identify account : XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00}, DATE OPENED : XX/XX/XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX Dates associated with item being disputed : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Explanation of item being disputed : I would like to state that Experian Is in violation of 15 USC 1681b. ( A ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian any written consent to report anything on my consumer report. No consent is identity theft. I have stated above the 10 accounts that are being furnished illegally on my consumer report. I demand that you remove these inaccuracies off My consumer report. If they are not removed, I will not extend my credit to anyone or allow Experian to furnish a report for me. I would like to state that pursuant to 15 USC 1681. ( A ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian allowing these inaccuracies to be furnished on my consumer report, it has caused me to lose confidence in the banking system. If Experian wants To continue doing business with me, they should delete these inaccurate accounts off my consumer report.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by BANK OF AMERICA CORPORATION . I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by BANK OF AMERICA XXXXORPORATION on XX/XX/2021 via XXXX mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by BANK OF AMERICA CORPORATION adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 XXXX a ) ( XXXX ) ( A ) ( XXXX ) are up to ( {$5000.00} ), BANK OF AMERICA CORPORATION is now civilly liable to pay me for the damages.
Product: Credit card

Back in 2017 I was a part of a case which involved stolen identities of XXXX different people. I kept disputing with American Express, and each time was denied, even though I supplied them with all the evidence from district attorney in the state of California. 
Please help Thank you in advance XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

I have been affected by the Equifax data breach they are wrongfully in violation from XX/XX/XXXX  This year i am looking to be compensated.
Product: Credit card or prepaid card

On XX/XX/XXXX, someone fraudulently made a cash withdrawal from my account for {$200.00} and on XX/XX/XXXX for {$200.00}. In additiona I was charged a {$10.00} cash advance fee each time. I never made these transactions ; I was in another state at the time and I dont even know the PIN number for this card. 
I had received a text message from the Bank asking if I had made these transactions and I replied no. On XX/XX/2021, I reported the fraud to Capital One by phone. They issued a new card with a new number and started an investigation. 
On XX/XX/XXXX, I received a letter in the mail letting me know that the fraud investigation is complete and that as part of their {$0.00} fraud liability promise I would not be held responsible for the fraudulent charges. 
Upon reviewing my credit card statement on XX/XX/XXXX, I realized that Capital One had reversed the credits for the fraudulent charges. I called Capital One and the supervisor explained to me that the investigation was complete, and they had proof that I had made these two cash advance withdrawals. 
During our conversation I repeatedly tried to explain that not only was I not in the same state that these withdrawals were made, but I have only ever used this card at the store it was issued in, Bass Pro Shops. I explained to the supervisor that I dont even know my PIN number and based on my transaction history over the life of the account, it is clear that I only use this card at this specific store. The supervisor, in an unprofessional tone, told me that I am lying and there is nothing they can do since the investigation is closed.
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries are on my credit reports for all three major credit reporting bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax 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  Please REMOVE these unauthorized Inquiries.
Product: Checking or savings account

Dates, XX/XX/16 to XX/XX/16. Bank employees XXXX XXXX XXXX XXXX Ms. XXXX. XXXX XXXX. The following attachment shows 1 month. Although missing funds recoured each month except the last. IE start with balance at XXXX plus remaining XXXX from previous first Page subtractions should read, XXXX second XXXX third page XXXX fourth XXXX total would be XXXX leaving XXXX missing, stolen. I contacted me XXXX she advised to close the account and we would make another report to the company the next day. Next morning I sat at a desk completely inorged. This continues for 2 more days. I contacted the police, they said it is a bank problem. If you need additional receipts please contact me, or if attachment is not clear enough.
Product: Credit reporting or other personal consumer reports

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 The following personal information is incorrect