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

I 'm writing due to the incorrect information being reported by Bank of America credit card. Bank of America has reported incorrect information to the credit reporting agencies, that I had gone over my credit limit. When in fact, I had originally put in a request for a credit limit increase, well beforehand, in order to avoid this ; however it was provided 2 months after the original request. See below for more details. 

I have over 25 years with excellent credit, never been late with any of my payments to any creditor, nor have I have ever gone over my credit limit with any of them ; as evidenced from my past credit reports with all three reporting agencies. 

On XX/XX/XXXX, I called Bank of America inquiring about by credit card limit and for a credit limit increase of {$500.00} ; since I was planning to make several large purchases during the next following days. I understood that at the time my credit limit was {$12000.00} and with my new charges it would go over my credit limit by {$250.00}. I figured this would be enough to cover my credit limit overage and leave me with ample available credit, should I need to use my credit card again in case of an emergency. 

On this same day, I charged my IRS tax lien of {$930.00}. On XX/XX/XXXX I made a purchase for a flight ticket of {$230.00} and on the last purchase, XX/XX/XXXX, I paid my school tuition with my Bank of America credit card in the amount of {$1800.00}. Adding all these charges, I knew that it would go over my credit limit ; thus the request for the {$500.00} credit limit increase. Since these purchases, I have not used my credit card ; meaning the requested increase, was only for the purchases mentioned above. 

Upon finishing speaking with Bank of America, I was told that they would get back to me with a decision in authorizing the increase. I never received a phone call, an email, nor any written letter in the mail, advising of their decision. The credit limit increase was not provided until XX/XX/XXXX. Bank of America 's delay in prompting a decision for the increase, then caused me to go over my spending limit. 

My original request on XX/XX/XXXX, was not for {$2000.00} or {$5000.00} ; but for {$500.00} more than enough to cover the purchases mentioned. I do not appreciate that given my years of hard work maintaining my good credit, that through Bank of America 's inaction and failure of not being able to provide a quicker resolution to a credit limit increase, in a timely manner would cause my credit rating to be impacted in a negative way. 

I expect that Bank of America, rectify the information they are furnishing XXXX, XXXX and XXXX, and clear this erroneous information from my credit report. 

Thank you.
Product: Debt collection

Received a bill in the mail that stated as of XXXX XXXX that I owed {$390.00}. 
Constant harassing calls without proof of bill. I would like to be proved whose name the debt is in, the amount, who is the creditor and what the debt is registered for what.
Product: Credit reporting, credit repair services, or other personal consumer reports

With XXXX XXXX XXXX XXXX credit cards, I had requested both a letter of validation and a copy of my original contracts. I never received them. Since much time has passed, I would like to have them both removed from my credit report.
Product: Credit card

MY SEPHORA AND ULTA ACCOUNT HAS ALWAYS BEEN PAID ON TIME AND WHEN I COULDNT PAY IN TIME I ALWAYS CALL THEM AND THEY SAY ITS OKAY WE WILL PUT NOTES AND WAIVE THE LATE PENALTIES LATER. NO DOCUMENTATION WAS GIVEN TO ME. I ALWAYS CALL BEFORE ITS DUE OR I NEVED GET ANY EMAILS OR STATEMENTS FROM THEM
Product: Credit reporting or other personal consumer reports

Ive had several times removed from my credit and those negative items was the reason why my score was so bad and now after having those items removed XXXX XXXX XXXX and equifax has refused to adjust my score causing significant damage to my credit history and hindering future purchases and offers made to me as a consumer. I have even been threatened by employees from all three companies that constantly calling them will not change anything Equifax refuses to remove the items bankruptcies and the others have and they all refuse to verify their methods or verification as I requested several times before
Product: Debt collection

Portfolio Recovery Associates LLC has been contacted multiple times by me ( see the attached collection account validation letters below ) in order to verify my debt that they are claiming I owe. Portfolio Recovery Associates LLC is in violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I have asked XXXX XXXX multiple times to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They have simply responded to me with a bill of the charges they claim that I owe ( which a copy of their responses is attached below ). Portfolio Recovery Associates LLC refusing to provide me with the required debt validation outlined above is in violation of my rights under the Fair Debt Collection Practices Act. Due to the fact that Portfolio Recovery Associates LLC continues to report this account on my credit files without providing me with the proper verification, I'm now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from Portfolio Recovery Associates LLC by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. I've also made Portfolio Recovery Associates LLC aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act ; therefore, if Portfolio Recovery Associated LLC does not immediately remove this account from my credit report or provide me with all of the verifiable debt validation requirements outlined above, they are subject to another {$1000.00} fine, plus punitive damages.
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 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  has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Have a Chase Freedom credit card, been a longstanding good customer, make payments on time. 45 days ago my Limit was approx $ XXXX w/ $ XXXX outstanding, Chase cut the Limit to the outstanding balance of $ XXXX without any prior notice. I pay the outstanding balance in Full on XX/XX/23 ( {$7800.00} ) and have a XXXX balance with Available limit of $ XXXX. Then Chase cut the Limit in the past few days to $ XXXX without any prior Notice, only discovered when I tried to use card and was declined. I called Chase and they stated it's based on outstanding balance and their periodic review; however, this is false because my balance is XXXX, make all payments on time and have Low Credit Card Utilization Rate but is negatively impacted by Chase cutting by Credit Limit from $ XXXX to $ XXXX. This is abuse of power to customers to who pay there bills on time and then pay off the outstanding balance in full. 

Also called Chase XX/XX/23 to request my balance be reinstated ; they stated it would have to be a Hard pull ; this is hypocritical, Chase can reduce your credit limit based on a soft pull but can't reinstate it based on the same soft pull which was satisfactory to reduce the line. I spoke with XXXX - Business Lending Escalation, he stated there is tracking or ID number for the complaint I filed w/ Chase and no way to track it or receive and follow up or resolution. Chase is stating we cut your Limit and there's nothing you can do about it directly after I paid by balance in full to XXXX with account in good standing. It's abuse of power and completely taking advantage of the consumer who has done everything correctly!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting a balance when the account has been charged off. Account is also reported as closed and with a past due balance. account has been re aged. Account has not been verified and the XXXX in Texas expired. I also submitted verification to the creditor and the credit bureaus, and it has been more than 30 days with no response for the 3rd time. Account is violating my credit rights and reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 
XXXX XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX ( XXXX ) XXXX  ( XXXX ) XXXX XXXX  XXXX ( XXXX ) XXXX  XXXX ( XXXX ) I request please that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 
Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 
Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my home in XXXX. I have documentation from XXXX that my loan was paid in full and accepted on XX/XX/2020. Loan care which held my mortgage prior to the refinance sent a late payment notification to the credit bureaus dramatically effecting my credit score which prior to this had no negative marks. Please advise and assist. Thank you
Product: Credit reporting or other personal consumer reports

I looked at my report one XX/XX/year> and noticed some things are incomplete and not accurate. 
According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual whom the report relates. 

These accounts are not complete and inaccurate : 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 I have sent four letters with the latest being in XX/XX/year> ( Attached ) to reinvestigate the above accounts. The accounts were not updated to be accurate. I requested documentation of the investigation and they did not provide it which is violation go 15 USC 1681i7.
Product: Debt collection

I have just officially now have a collection on my credit report from Medicredit for XXXX $ dollars. I have not received any letters or info from them regarding this debt. This is the website https : //medicreditcorp.com. There is no mailing information for this company on the website nor on the credit report. As such I can't contact the company for a debt validation letter, which is a consumer right, nor for any other communications as I would like to keep contact only through mail. 

I think it is absurd that a debt collection company can operate without posting this type of pertinent information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts Violating My Rights : - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX - Account # XXXX - XXXX XXXX XXXX - Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX  - Account # XXXX - XXXX XXXX - Account # XXXX
Product: Vehicle loan or lease

No monies are owed to XXXX. XXXX took their monies on the XXXX of every month due to the fact that I signed up for automatic withdrawal. Account has never been negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 3 separate disputes with XXXX, Experian, and XXXX in order to have inaccurate information removed from my credit file. The first dispute was filed on XXXX XXXX. XXXX, but I have not received a response from the credit bureaus. I'm hoping that CFPB can help me with this issue.
Product: Checking or savings account

I was in the XXXX XXXX XXXX XX/XX/XXXX until XX/XX/XXXX. I was released at XXXX. I took with me XXXX XXXX XXXX and house keys. My XXXX posted XX/XX/XXXX and charges begin XX/XX/XXXX. I also have a alert on the account. I have submitted documents and it was still denied. They don't have a ATM in the jail nor do I have access to go in and out of the jail. I also supplied a fax copy from the jail.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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: Credit reporting or other personal consumer reports

This compliant serves as a formal follow-up to my previous dispute regarding inaccurate information on my credit report. Despite receiving a response that the disputed items were verified and updated, the errors remain unchanged and uncorrected. 

The following inaccuracies persist : Incorrect account dates ( opening, reporting, or closing ). 
Inaccurate balances that do not reflect the actual amounts. 
Payment history errors that misrepresent my account activity. 
Your failure to correct these errors violates the Fair Credit Reporting Act ( FCRA ), which requires : 1. Section 607 ( b ) : Ensuring the maximum possible accuracy of reported information.

2. Section 611 ( a ) : Conducting a thorough reinvestigation and removing unverifiable or inaccurate data.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/2020 in the amount of {$900.00}, XXXX XXXX XXXX XXXX opened XXXX in the amount of {$300.00}, XXXX XXXX XXXX XXXX, XXXX opened XXXX XXXX In the amount of {$18000.00}. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The office of the attorney general is refusing to comply with a court order I have from Texas stating that I do NOT OWE any child support arrears and medical support arrears to Texas and they have all been forgiven. The office of attorney general has denied my dispute requests from TransUnion and XXXX XXXX and continue to tell the credit reporting agencies that I still owe those arrears/amount which is a lie. I have tried to contact the attorney general personally and they refuse to talk to me because I had a private attorney that resolved the child support arrears problem in court. My attorney and myself have sent the court order to the office of attorney general several times without any response. This was supposed to be done since XX/XX/year> and the attorney general said the verbage in my court order want correct. The current court order I have clarified any verbage and states to be backdated to XX/XX/year> and that gave the attorney general plenty of time to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes companies XXXX open date XX/XX/XXXX XXXX have wrote to equifax and disputed to XXXX as well no responds back they could not say that the debt belong to me after 4 months still shows as costumer disputes this information ... ... ... .XXXX XXXX XXXX open date shows 2 diffirent dates not the write information XX/XX/XXXX on equifax and closed on XXXXXXXX XXXX  XXXX XXXX XXXX open date is XX/XX/XXXX inaccurate dates and as well on XXXX XXXX XXXX XXXX open on XX/XX/XXXX showing closed condiction ... .. 

I would love to get my credit clean so i can start a fresh start and cant due to things like this holding me back trying to better my family and buy us a house all the information i listed upabove that the credit bureau is reporting most was deleted and put right back as thanks for all your help and hope to hear from you soon thanks
Product: Checking or savings account

On XX/XX/XXXX I purchased a resort deal for a total of {$2000.00}. I decided to dispute with the bank on the same day that I received my cancelation email and the bank gave me a provisional credit of the same monies. The past week on XX/XX/XXXX, the funds were reversed and I was charged that {$2000.00}. I called on XX/XX/XXXX and spoke to XXXX from XXXX XXXXXXXX who was able to reopen the case and I uploaded documentation supporting my claim. I then called today XX/XX/XXXX where another specialist said my case had been closed on XX/XX/XXXX because it was the last day to upload supporting documentation. I uploaded the documentation on XX/XX/XXXX which should count for the last day. I was clearly in the right as a client of USAA. I would like all my disputes to be reopened sinceI uploaded documents via mobile app and USAA claims they do not see them then close the case. Please help me get a resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX : XXXX has 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 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I purchased a show car that only had XXXX miles on it from XXXX XXXX, XXXX California, ( XXXX ) XXXX. The car started breaking down and when it did, I had only had it for a year. The AC broke after I received my free oil change from them, it was working fine when I pulled in the XXXX parking lot. I got it back it didn't work. I previously had a Nissan XXXX  in addition to the Nissan XXXX, and its AC was still working. I called and filed a complaint ; they couldn't help me unless I paid {$450.00} to them. I told them the car had a recall on the airbags and that's dangerous for me to drive. They said I would still have to pay {$450.00} to have it checked out. So, I called the corporate office to see if they could help me get it fixed or place me in another car. They said to call the dealership back and tell them to help me. They still said I had to pay to get it checked out. And refused to put me in another car or fix the problem till I gave them money. Also, the baring 's on the wheels were worn out and I only had it for a year. They told me nothing was wrong with the car because it was a show car, and no one drove it, but it had XXXX miles when I bought it. They didn't help me, so I gave the car back, they reported the same car twice as repo on my credit report.
Product: Debt collection

In XXXX of XXXX  I started a payment plan with true record to start in XX/XX/2022. On XX/XX/XXXX I received a letter from a law firm, referencing the true record debt that I made a payment plan on. The letter references the payment excepted with regards to the payment arrangement. I made with true accord, and also references that I do not have a formal payment plan set up. The attached information states otherwise. I was not informed that the debt was sold and trick. Our currently reports to my credit report.
Product: Debt collection

In XX/XX/XXXX, we ( my roomates and I ) were contacted about debt that we owed regarding move-out charges on our apartment that our security deposit did not cover. The total amount in dispute was {$7500.00}. We ask for verification of the debt and the credit collection agency provided details regarding the debt. All of the debt was related to replacing our XXXX square foot hardwood floor. However, we did not have XXXX square feet of hardwood floor. Within our 30 day response period, we sent the company our floor plan which shows XXXX square feet of hardwood floor. The credit company ignored the evidence which would have reduced the bill by {$2000.00}. They also sent us information on XX/XX/XXXX which coincidentally increased the debt by {$2000.00}. The net affect would be XXXX reduction in debt ( we reduced our debt by {$2000.00} so they increased it by {$2000.00} ). We called the debt collection company 2 days later on XX/XX/XXXX and they said they already reported us to the credit card companies. They did not give us 30 days to response. In my point of view, they have the wrong apartment since our floor plans do not match or they are making up debt because they know how much money they need to make. This {$2000.00} worth of debt did not exist until we showed them proof that this was not our apartment.