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

Because I got XXXX the XXXX  account went to a collection. I missed the time because i was sick. Anyway it was paid but still negative affecting my credit because it showing as a Collection type. I dont think is fair. It should be deleted.
Product: Mortgage

I made my final payment to LoanCare LLC on XX/XX/2022. It has been more than 20 business days since my loan was paid in full and I still do not have a correct payoff statement. I can add so I don't need LoanCare to tell me what the payoff amount was. 
However they can not add. LoanCare recognizes that the loan is paid in full but can not figure out the interest and escrow portion of the loan. LoanCare has sent two payoff statements, both of them were incorrect. LoanCare agents confirmed that the statements they provided were incorrect ( you can hear that in the recorded calls ). LoanCare has not started the escrow refund process. 

LoanCare did send me an email today apologizing for the delay in their " investigation '' and referred me to their web site where all I can do is confirm that their information is not correct. 

I have all of the screen shots of the relevant information should it be required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has blocked my credit file, therefore, preventing me from filing a dispute against companies who want to report and correct data. This problem is since XX/XX/2020. XXXX XXXX has failed to comply with the FCRA laws, I have been denied loans because they refused to fix information erroneous on my credit file
Product: Debt collection

In XXXX, I disputed a debt with XXXX XXXX  who sold the debt to PORTFOLIO RECOVERY ASSOCIATES. I disputed that I did not receive information that my debt was in jeopardy of going to collections. Which, I did not. I was unable to provide proof at the time, to match the timeline. So, this item remains as a negative impact on my credit. I reached out to XXXX XXXX  and was given false information, that they would get the debt back from Portfolio Recovery Associates and I would be able to pay the remaining balance of the debt, less the late fees and interest added. 

I was told to follow-up within 30 days. Upon doing so, I was told by another representatives that once the debt is sold, there is nothing they can do and I need to speak with the collection agency. 
I explained that, I did not receive a DEMAND LETTER, commanding that I make the complete payment, before selling the account to Portfolio Recovery Associates. I also explained that, the last correspondence I received from them was an email, offering me a payment plan, XXXX months before I was alerted that a collection had been added to my credit reports. 
In my state of residence, Louisiana Debt law states that I must receive a DEMAND LETTER, before any further course of action can take place. I did not. 
At the time of going delinquent on the account, I was in the hospital with COVID-19. I was out of work for several months. I explained this to them, once I was able to start working again, in the latter part of XXXX. 
Trying to resolve the issue with XXXX XXXX  has gotten nowhere. 
This has lead me to research the debt laws in my state. 

According to my state, Louisiana, this account is considered an OPEN ACCOUNT, a credit card account. In regards to XXXX XXXX, the prescription is XXXX years, from the last payment made on the account. The last payment made on this account was within the same month, I tested positive for COVID, XX/XX/XXXX. We are now XXXX XXXX. Which according to my state and the state in which Portfolio Recovery Associates is trying to collect the debt, the statute of limitations has expired. 

While I am not one to purposely choose to not pay a debt, I tried to resolve the issue in paying the remaining balance with the original creditor, that I agreed to do business with. However, I was strung along and lied to about getting the debt back from the collection agency. 
This leads me to now requesting that this item be removed from their records and demanding that it also be removed from my credit reports. 

I have attached information from Louisiana Debt Law, as well as the last email correspondence received from XXXX XXXX, my last payment receipt email, as well as the account information from my XXXX credit report ; showing the specific date the collection account was opened with Portfolio Recovery Associates. Which further proves there was no DEMAND LETTER mailed out to my residence, before submitting the account to a collection agency.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my qritten instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I am hereby requesting the name and address of the original creditor, in accordance to 15 USC 1692g ( B ). Consent was not provided. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681a ( 4 ) my rights to privacy. No consent by definition is identity theft.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. However, its been more than 30 days, and the credit bureaus failed to send my investigation back. This is unacceptable. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I think there are charges that I have not made on my card because the amount on the card doesn't match the amount of the deposits. I tried checking my online account, but I keep getting an error message and the system will not allow me to change my password. When I enter my username it says my password has expired. When I attempt to change my password, it says " my information doesn't match the demographics ''. I can not get transferred to customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 state i have the right to privacy. 15 usc 1681 section 604 A section 2 it also states a consumer on cant furnish an account without my written permission. 15 usc 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late purposes. In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted Equifax and told them that this inquiry are fradulent are provided proof, even though they told me that this inquiry were verifed. Please remove and dispute this fradulent information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 M ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I think the loan was overpaid. I can not access the statement to see and haven't received a check for the overpayment.
Product: Debt collection

I disputed an amount XXXX University charged me for attending there college. This amount was removed from all credit bureaus except Experian. Experian informed me that XXXX college said they refuse to remove and they were going to increase amount and report more frequently. This is in retaliation against me of a lawsuit I won against them for false claims to award employment to students upon graduation. I have attached this lawsuit that was awarded in my favor. All reported credit bureaus have removed this debt, accept Experian who stated XXXX refused and plans to increase debt and report more frequently as retaliation against me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some oft he names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX 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: Checking or savings account

My ex-husband used my debit card to sign up for an emulator through buildsXXXX  ( on the bank statement, it comes up as rainbowpixel ). I have contacted them multiple times and they said they have blocked them however I am still being charged. I have changed my card multiple times and I am still being charged.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage online on XX/XX/XXXX from a saved value within the US Bank online portal. A popup confirmed my payment. I received a letter in early XXXX that payment not received. I called and two representatives reported not receiving payment. Called back and a representative reported she saw my payment on XX/XX/XXXX and that their system canceled it. NO ONE since has admitted to it. I corrected it by paying on XXXX and XXXX on XXXX, due XX/XX/XXXX. I made a reporting to the credit bureaus, US Bank stated I was late and refused to correct, but they did correct the XXXX, but not XXXX or XXXX. I appealed to their credit dispute department, and they stand behind that I was late although I referenced the proof of their representative and name and date and recording number. I again appealed to the credit bureaus, they again denied to fix. I called and the representative stated her computer shows XXXX late, She insisted, but the credit bureaus shows XXXX 30 days late. I received a letter with crazy story about how they are entitled to show XXXX late because they have a late XXXX payment. 
I have again appealed to US Bank. I have now been made aware that US Bank is fully aware they had a technical problem in XXXX that canceled members payments and they tried to adjust for the problem by not make reporting to the credit bureaus in a data dump in XXXX of 30 days late while trying to repair the problem, and only did in XXXX the data dump to credit bureaus of late payments. When they reported in XXXX, it picked up the incorrect data about my late XXXX payment, and I am sure many more, and reported XXXX as more then 30 days past due. 
Never has my account been 30 days past due. 
I am obviously not the only person effected, and they refuse to fix peoples credit reports when reported and lie about the ongoing technical problems. 
They should have fixed the late reports retroactively knowing they had a problem, advised customer service to handle these as priority and repair, instead they continue to keep bad reporting and lie about their faulty technial issues.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit card

On XX/XX/XXXX at about XXXXXXXX XXXX I received a call from Bank of America ( at least they said they were with Bank of America ) stating that my SS #, address, etc were being used to open a credit card with that company. The person who was trying to get that credit card using my information, was supposedly in Texas. I live in Illinois. 
The " Bank of America '' person gave me a complaint number XXXX and transferred me to another person EXT XXXX, XXXX named XXXX XXXX who said he was with experion.com. After continually telling this person that I did not trust him, he enthusiastically made sure I knew that he was taking care to put high security on all of my credit cards. He knew all of the cards I held. Idenity fraud was his main theme of keeping on the line without hanging up on him. 
I hung up and called THE REAL Bank of America , credit fraud department and asked them to check on a person in Texas saying they were me and applying for a credit card. No one existed. The gal from Bank of America told me to contact the FTC, as I have. 
Another number the experion person gave me was XXXX
Product: Debt collection

A family member contacted me about a company called SW Credit Systems L.P calling them and Harassing them about an alleged debt owed by me. This family member told them to do not call and they continually call at all hours of the day. I have never personally received any notification of anything from this company to see what they are actually stating as to the alleged debt. Today I received a credit report alert as to a collection added by SW Credit Systems L.P. on my reports specifically  XXXX . Stating nothing but an amount of {$590.00} States   XXXX   XXXX   to which I have never had showing open account as of  XXXX  2017 which never happened. Never received anything from this company in the mail or in any other form whatsoever prior to adding to my reports false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you. 

The company is Portfolio Recovery Services Reference # XXXX I have offered three times to pay the via an offer in compromise and a deletion from my report which is a common practice with this agency. I need help. The last payment of the original debt was in XXXX of XXXX. This company keeps re-aging the debt. The debt was originally purchased in XXXX of XXXX, when I inquired about the debt it was re-aged to XXXX of XXXX. I inquired again and it has been re-aged to XXXX of XXXX. I want this corrected on all three credit reporting agencies and I want it paid and deleted just like they do for everyone else. I have made three offers. Collection calls from Portfolio Recovery services began in XXXX of XXXX and accompanied a letter just like this attached one dated XXXX of XXXX. 

Help. me. please. 

Thank you.
Product: Debt collection

I am more than willing to pay any legitimate debt in which I lawfully owe on the Condition you provide me with a true, correct and exact copy of the following : Please provide validation that clearly shows I owe the amount youre claiming including a copy of the assignment contract or agreement that supports your claim. 

Please send me a detailed account statement that includes all transactions related to this debt, including the original creditors name and contact information. 

If you acquired this debt through assignment, please provide documentation that confirms your authority to collect this debt on behalf of the original creditor. 

Please include a detailed breakdown of the account fees, interest, and other charges that have been added to the original balance. 

Please provide your license number signifying that you are qualified and registered to consumer debt in South Carolina? 

Please provide me with your Bonding Company information along with your bond number and insurance company and policy information to indemnify me in case you cause any damage/ injury. 

Please provide me with a True Bill in Commerce for this account.

Please provide the full accounting both accounts payable and accounts receivable under GAAPs principles. 

- XXXX XXXX
Product: Checking or savings account

OnXX/XX/XXXX at around XXXX, I deposited {$1100.00} into my bank ATM Address : XXXX XXXX XXXX XXXX , Oklahoma XXXX , OK XXXX. The machine that I deposited has failed me three times before. I called Chase bank to file the claim and on XX/XX/XXXX, they said they did a thorough investigation and only found XXXX. They reverse the remaining credit from my account and said that there was nothing else that they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; CHILD SUPPORT XXXX XXXX XXXX XXXXXXXX XXXX {$50.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$790.00} ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

hi so amercain express froze my card they said it will be unlocke XXXX XXXX hours but its been XXXX hours and i cant use my amercain express gift card