23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The failure of the XXXXXXXX XXXXXXXX XXXX comany as a credit furnisher has violated my consumer rights by reporting inaccurate an fradulent account information to the credit bureaus and despite my numerous attempts to resolve this error. 

The collection company refuses to conduct a thorough and complete investigation, to respond to my disputes. This is not only frustrating but also a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 
XXXX XXXXXXXX XXXX agency continues to inaccuratly report an account by their client XXXX XXXX located in XXXX Michigan. 
These erroneous and fraudelent entries have had a severe and detrimental impact on my ability to secure housing, as they negatively affect my credit score and are visible to prospective landlords. 
I urge you to conduct a thorough investigation into this matter as required by law. The FCRA mandates that all disputed information that may be inaccurate, incomplete, or unverifiable must be corrected or removed typically within 30 days. It is your responsibility to verify the accuracy of the information you furnish and ensure that my credit report reflects only accurate and verified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered when I purchased a vehicle earlier this month that Home Depot listed my account as being past due by 90 days back in XX/XX/2015. I checked my email to see if they sent me monthly statements and there were no statements. Only when they notified me they were seeking a judgement against me did I receive a statement. It is the one and only time that I was late on any credit card payment, and it is affecting my score. Home Depot continues to let me use my credit card in their store, so they don't mind me using their card. I request this action on my credit score be removed and my credit restored to what it was before this unfortunate lapse in memory and their lack of sending me a monthly statement.
Product: Debt collection

I did not know that I was being sued by XXXX XXXX back in XXXX, until XXXX of XXXX. They claimed they served me with papers, but had the wrong address on file. I learned of it when my previous employer XXXX received a writ of garnishment of {$11000.00}. My wages were garnished starting on XXXX/XXXX/XXXX and I received my last pay check with them on XXXX/XXXX/XXXX. At that time, {$9900.00} had been deducted and sent to the law firm of Henley, Lotterhos & Henley. According to my previous employer, learned yesterday, that I had a balance of {$1400.00} to be garnished when I left the company. I did not work for a while, went back to work a year and a half ago. 
Yesterday I received notification from my current employer XXXX XXXX XXXX, that they received a writ of garnishment from Henley, Lotterhos & Henley stating my wages are to be garnished in the amount of {$13000.00}. I have a copy of what they submitted to the XXXX XXXX XXXX XXXX in XXXX asking for the same amount. I finally got in touch with the law firm, they put me through to XXXX XXXX XXXX. He stated the original garnishment was over $ 19XXXX and that I owe the {$13000.00}, that my previous employer must be mistaken. I was very honest with him, told him I could not lose my job over this, that I wanted to work something out with him. He asked me how much I made, I told the truth, after that, he does n't work with me on settling unless I give him a lump sum of XXXX and will not agree to take less than 25 % until he sees what my garnishment would actually be. He was not nice and would not agree with anything with me once he found out what I made. I have a daughter in college, paying for everything, including student loans, her father does nothing for her. With all of my bills and living expenses, I can not afford 25 % of my income to be taken away. He is so money hungry that he will not discuss anything else with me until he sees how much they will received from my garnishment. He actually hung up on me stating to call back after they receive my first garnishment. I have had some very hard times, and have worked so hard to get back on my feet. This company only wants to bring people down. I am not trying to get out of my responsibility, I am trying to settle a reasonable amount and not have my wages garnished. I can not lose my job over this, and it could very well happen, I do work in an at will state. This law firm needs to be investigated, they refuse to help people, they want to take more money from them so they can not survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

This is a completely new complaint not previously mentioned or reported. 

XXXX, EXPERIAN, and XXXX are reporting the account of XXXX XXXX XXXX XXXX XXXX as being charged off for 10 consecutive months starting in XX/XX/year>. 

This account was charged off 1 time. It was not charged off repeatedly for 10 months. This is a misrepresentation of the account information, and is completely inaccurate and incorrect. 

XXXX, EXPERIAN, and XXXX are refusing to remove the inaccurate information on this report. 

I have attached the reports that reflect these errors.
Product: Credit card

I have had a dispute with Capital One for over a year regarding incorrect amounts they have for my account, they claim I owe over {$700.00} but the card was not used by me for months before the balance was that high, I made them aware of this and they continue to play games and not respond to emails, I am currently on the phone with Capital One right now and the guy is saying there was no dispute filed but I have a digitally certified email from Capital One saying they filed a dispute for me. 
I have faxed, emailed, sent certified mail, and called them regarding proof and documentation and they always claim it was never received and then do not respond back to help me fix the balance on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX a store card for a macys  credit card was opened in my name. I have disputed this account several times with the merchant and also with the Credit bureaus. This account was charged off back in XX/XX/XXXX. However even though this account was charged off and is set to come off of my credit report XX/XX/XXXX. Macys still continue to report monthly late payments on this account. When this account was charge off this account should no longer be reporting monthly. This account was last reported this month XX/XX/XXXX. When I go to apply for something it looks as if I have recent late payments with this account. I have reached out to macys regarding this asking if they can send me a letter when this account was paid which was in XX/XX/XXXX. The rep told me that they will only be able to send a letter saying it was paid but not with a date because they are not allowed to do so which I find that hard to believe. when I contacted the credit bureaus regarding this issue also I was told that I need a letter from macys  when this account was paid in order for them to stop reporting monthly. Every month I get a new update from macys on my credit saying late payment which should not still be affecting my score when it has been 6 years and as mentioned this account is due to come off XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was fined for an unknown reason on XX/XX/XXXX and they gave me a {$600.00} fine, I objected to it and went to court again and they said the court would be in 2 months, I went and the judge cancelled it because the police did not show any evidence and they gave me a cancellation paper, it shows in my background check and I could not handle it, I have evidence, my XXXX account was closed, my XXXXXXXX  account and I can not make money, it was my only source of income, I would be happy if you could help me, I have documents
Product: Debt collection

Sometime around XX/XX/2018 I received a call from ProCollect stating that they had a collection that belonged to me. After calling them back I realized that my previous apartment complex, XXXX at XXXX XXXX, never sent me the final water bill and instead sent it straight to collections without ever noticing me first. ProCollect assured me that if I paid the collection it would be removed from my credit report, and my credit score wouldn't be affected. Upon getting a credit check last week i realized that this wasn't true, and that my credit score was affected and it showed it was a derogatory account by Procollect. When attempting to contact ProCollect in order to ask them to remove it as promised, the representatives hang up on and put me on hold indefinitely when I ask to speak to a supervisor. This is the only derogatory item in my account, and it's there because the apartment complex never reached out to me in order to pay. I have never paid a bill late in my life and their mistake is costing me the ability to buy a home.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX saw me twice in early XX/XX/XXXX, in part for XXXX XXXX  symptoms. They billed me {$330.00}, after insurance adjustments, on invoice dated XX/XX/XXXX, which I began paying on a monthly basis starting on due date of XX/XX/XXXX XXXX XXXX acct # XXXX ). 

Despite XXXX receiving monthly payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of at least {$50.00} each, XXXX sent my account to collections with Prince Parker & Associates with zero warning or notice, and I was contacted by this debt collector on XXXX. The bill was paid in full to XXXX on XXXX, and yet I still received a notice via mail from Prince Parker & Associates dated XX/XX/XXXX. 

XXXX provided no documentation as to requiring payment within a specified period, does not state anywhere on the bill, or at time of service, a policy of sending accounts to collections after X period of time, and never reached out to me prior to taking this unwarranted and damaging financial action. If this is not illegal in itself, I find it highly unethical and predatory for a medical practice to take such action on an actively-paying account, and without contacting the patient at all. Disgusting, and will never use their services again.
Product: Credit card or prepaid card

Dear CFPB, I have applied for a credit card with Citibank. I am employed, my credit score is above 800 and I have a 13 years of credit history without a single miss-payment. My income is above the requirement for credit cards and I am employed. The only reason that comes to my mind about denial is my ethnicity and last name. I complained to the bank and they gave me a bogus broad term " credit report '' as the reason for denial of my application. I hope you can prevent their discriminatory behavior. 

Best, XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Understand the accounts they reported to my consumer report using my XXXX information was reported to create a false belief that I have an obligation to pay a debt not owed You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies. The conduct of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is usury and Extortion and blackmailing me by using my Credit file to coerce me into pay a debt not verified.
Product: Credit card or prepaid card

My wife and I have tried to receive a refund from XXXX  XXXX for a canceled flight on XX/XX/XXXX. We have sent emails and called the airline multiple times and have not received a refund after 4 months. We contacted the credit card company to intervene for services not rendered and to remove all interest charges and to credit the account card relating to the canceled flight. The flight was purchased on XX/XX/XXXX for the amount of {$1700.00}. This is the response from the Credit card company on XX/XX/XXXX was " The merchant is willing to work with you to resolve your claim, and that we were responsible for the disputed amount and that there investigation was completed and disputed amount will be included in the balance Subject to interest charged. They also said that our account was in good standing but wanted us to know that if we do not pay our credit card bill they would report us to consumer reporting agencies? We have always paid our credit card! We again contacted XXXX  XXXX  verbal and written and given excuses why after 4 months we have not received credit on our card. We contacted and wrote again to the credit card company on XXXX XXXX and told them we are still in dispute with the airline and have not received a credit on our credit card for the {$1700.00}. I have sent another letter to XXXX  airline and Shop your way credit card company XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally took out student loans with Sallie Mae for my 4 years at XXXX, XX/XX/XXXX-XX/XX/XXXX. After graduating sallie mae became Navient. Because I was not able to make payments due to financial hardship they gave my loans to a debt collector, XXXX XXXX. Starting in XX/XX/XXXX, once I had a stable job, I was able to set up a payment plan where I paid XXXX a month until I would be able to come up with a lump sum of XXXX to settle my loans. To date I've made XXXX in payments to XXXX XXXX. Despite this, Navient has reported my account as delinquent every month and I have not been able to raise my credit. I've contacted Navient about this multiple times, most recently XX/XX/XXXX and they keep informing me they no longer have my loan and transfer me to various debt collectors who also say they do not have my loan and transfer me back to Navient. XXXX XXXX has informed me that my account is in good standing with them, and they do not know why Navient keeps reporting me. My credit report says all of my Navient accounts are closed, so I do not understand why they continue to be reported as delinquent. I have filed a dispute with XXXX and I am waiting to hear back. I just want to make sure that this situation is investigated thoroughly because at this point I feel like I throwing away money and any effort made to improve my credit has been futile. I'm sure you understand my frustration in this matter and I'd appreciate any information you can provide. Thank you, I look forward to hearing from you.
Product: Credit card

in XX/XX/2023, In addition to placing a call to PNC Credit Cards I visited a PNC Branch and the branch representative placed a called to PNC Credit Cards in hopes of assisting me with resolving the card. The last payment I made to the PNC Points Card ( XXXX ) was on XX/XX/2023 in the amount of {$71.00}. I did not make the XXXX payment on time and accrued a late payment ( {$27.00} ) and interest. I called PNC Customer Service in the beginning of XXXX and researched hardship options provided. I was reimbursed the late fee of {$27.00} charged for the month of XXXX as a courtesy and provided several hardship assistance options by phone and was encouraged to review the online options provided. I did not move forward with the hardhip assistance options provided by phone or online. I chose to cash out {$170.00} from the PNC Points Card ( XXXX ) Rewards and of the options provided on the PNC site, have the cash-out reward deposited to my checking or savings, I chose to have the reward money deposited in my checking account XXXX. The money was not deposited in the checking account and was applied as a balance reduction to the credit card on XX/XX/2023. The amount was not applied as a payment on the PNC Points Card ( XXXX ) and continued to reflect as late for the month of XXXX and XXXX. I made PNC Credit Card services aware the money should have deposited in the checking and not applied to reduce the balance however they were unable to acknowledge the error and/or deposit the rewards cash out balance of {$170.00} in my checking account ( XXXX ) I intended to use to make several payment to the credit card. I visited the branch representative and they were able to assist me in contacting PNC Credit Card services on my behalf and confirmed reversal of the application of the rewards would not be possible. I acknowledged I would be unable to make payment on the Credit Card. In XXXX, I then closed my PNC Checking account ( XXXX ) and PNC Savings account XXXX. PNC Credit Card services did not close my credit card account until the week of XX/XX/2023, my last visit to the branch where the representative called PNC Credit Card Services and confirmed hey had closed the account with a balance on it. I was charged a late fee in XXXX, XXXX, and XXXX of {$38.00}, I am still not certain why the fee increased from the traditionally charged {$27.00}. 

I was charged a {$38.00} late fee, again, on XX/XX/XXXX and XX/XX/XXXX of 2023 after I had confirmed the card was closed by PNC Credit Card services.
Product: Credit card

Chase decided to add a strictly business credit account to my personal credit report. The account is on autopay, has no missed payments or any other issues. This is unexpected and not something usually done. I've been utilizing business credit for close to a decade and never had this issue occur. The account which is for business has made my score plummet. This can have negative impacts on my student loans amongst many other things.
Product: Checking or savings account

To whom it my concern : I got money taken from my account on XX/XX/year> which was XXXX from an ATM machine in XXXX and I had my card with me in South Carolina. I called Chase bank and told them my situation but they denied me so they wont give me back my money! I am XXXX XXXX XXXX and I live a fixed income and I really do need my money. I never share any information about myself at all and I dont know how they got my PIN number to take money out of the ATM! 

Sincerely
Product: Mortgage

My city property taxes remain unpaid and past due. I received a final notice from the city indicating plans for placing a lien on the property on XX/XX/XXXX. I have contacted my escrow company 's customer service department via email and telephone multiple times over the last few months to report the unpaid balance ( including on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) along with notices I have received from the city and documentation indicating the balance due, but the matter has still not been resolved. An escrow analysis I received at the end of XXXX shows a disbursement to the property taxes was supposed to have been made in XX/XX/XXXX, but no disbursement was ever made -- this seems to be the source of the balance due.