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

My XXXX XXXX auto loan was paid off in full by my insurance company following a car accident resulting in a total loss. Prior to this, the auto loan account had no late payments reported. I received a letter from XXXX XXXX verifying that the auto loan account was paid off in full and closed as of XX/XX/XXXX. 

On XX/XX/XXXX, I received a notification from XXXX that XXXX XXXX reported a XXXX late payment in the month of XX/XX/XXXX ( after the account was already closed ). 

On XX/XX/XXXX, I filed a dispute directly with XXXX XXXX, and I also filed a dispute with Experian. Included with my dispute, I attached a copy of the letter from XXXX XXXX verifying that the account was paid in full and closed in XX/XX/XXXX, so it was not possible to have a XXXX late payment in XX/XX/XXXX. 

I also called XXXX XXXX multiple times on XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. I spoke with multiple associates including a member of their Escalations Team and my complaint was assigned to their " XXXXffice of the President '' ( also called the Executive Office ) and assigned a case number and a case specialist. My case specialist reviewed the details of my account and also confirmed that the negative remark appeared to be an error and forwarded my case to their credit team with a request to remove the negative remark from my credit report. 

On XX/XX/XXXX, I received the results of my dispute from Experian stating that the negative remark on my credit report would not be removed. I called Experian to get clarification on this decision and was informed that XXXX XXXX had responded to the dispute and confirmed that the negative remark was accurate. This was in direct conflict with the information I'd received from XXXX XXXX. 

On the same day, XX/XX/XXXX, I called XXXX XXXX and spoke with my case manageXXXX. Upon reviewing the notes on my account, he indicated that XXXX XXXX had not received or reviewed my dispute from Experian nor had they verified the accuracy of the negative remark. He indicated that if someone from their credit team had reviewed the dispute this would have been reflected in the notes on my account along with the results of the review/investigation. 

I then called Experian back and was once again told that XXXX XXXX had, in fact, responded to the dispute but they would re-open the dispute anyway and send it back to XXXX XXXX for another review. 

At this point, the inaccurate remark is still on my credit report and has caused my XXXX XXXX to drop XXXX points. I have contacted both Experian and XXXX XXXX and nothing has been done to correct this inaccuracy, and I am receiving conflicting information from representatives at both companies.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text from a person I thought was My friend XXXX, I told him that he needed {$400.00} XXXX send him via XXXX the amount XXXX had changed his phone number the reason was that some company had the same number attached it an official document with that old phone number BUT... 

but I still kept THAT old number list on my phone. 
What I didn't realize that that the text I received came from his old discarded # and that I had sent the money to that # I contacted my friend at a new number, and he claimed he never asked for anything. 
This was XXXX hours after the transaction and the money wasn't taken out of my account by then ... I called XXXX right away and they told me that there was nothing they could do, that the transaction had been done and that I should call my bank... and I did. 

the bank told me that there was nothing for them to do because the transaction didn't happen yet the money wasn't taken out of my account. 

the next day XX/XX/XXXX I contacted my XXXX they claimed that they will start an investigation and I have the investigation number, ATTACHED is an email from XXXX with that number. 
I also when to my local bank branch and spoke with a fraud person there, and they started an investigation too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX Collection Account : XXXX 15 USC 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 account without my instructions Equifax deleted this account and re added it but with no proof or didnt mention anything in the first 5 days. This is wrong this isnt mine.
Product: Credit card or prepaid card

In XXXX XXXX, an amount of {$950.00} was charged to the HomeDepot Consumer Credit card with a 0 % promotional period for 18 months until XX/XX/XXXX. 
Over the next months, minimum payments were made with some additional purchases without promotional offer. 
On the XX/XX/XXXX statement, the total balance grew to {$2200.00}, incl. {$1500.00} regular revolving balance and the remaining {$660.00} of the above promotional balance. So far no issues. 

On XX/XX/XXXX I made an online payment of {$1600.00} with the intent to pay off the regular revolving balance completely to avoid being charged monthly interest. However, instead of applying the payment to the balance with the highest interest, Citibank chose to first fully pay off the promotional balance of {$660.00} which still had about 10 months of the no interest promotion left to take advantage of and only the remainder to the regular revolving balance. 

Toward the end of XX/XX/XXXX I called Citibank customer service to correct this and request the desired allocation, i.e. complete pay off of the revolving balance. During the lengthy conversation the agent agreed that it should not have been applied the way it had been and promised a correction with the new and corrected balances, incl. crediting of any overpaid interest, within 1-2 billing cycles. 
By XX/XX/XXXX four billing cycles later - it still had not been corrected and unnecessary interest accumulated on the account. 

XXXX or XXXX. I called Citibank again, explaining the situation and it was promised it would get corrected, again in 1-2 billing cycles. 
It is now XX/XX/XXXX, again 4-5 billing cycles later, and it is still not corrected, continuing to accumulate interested charges that only benefit another seemingly money-hungry bank. 

At this point, I can only assume willful disregard of my rights. Incompetence is an option, and though it would not be surprising, I deem it unlikely. Technical capabilities should not be hurdle either, as direct competitor XXXX has no issue whatsoever with a very similar situation and is even able to confirm the change in writing. 

I believe no statements need to be attached as documentation, as Citibank will have all that information and more readily available for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-XXXX-Date of XXXX XXXX XXXX, XXXX
Product: Credit card

XXXX charged me for food that was never delivered on XX/XX/XXXX. The merchant said that he had no food and would cancel my order but a charge of {$34.00} was submitted. Synchrony bank credited me the first charge of {$34.00} on XX/XX/XXXX. XXXX submitted the charge AGAIN on XX/XX/XXXX for {$34.00}. I called the merchant, XXXX XXXX, who was not able to assist. I called Synchrony Bank and they are requesting I send all of the documentation again. ( Why cant they look up the documentation I originally sent? ) XXXX was of no help. Why is XXXX submitting charges twice? My documentation will show an email I received on XX/XX/XXXX confirming the order was canceled. An attachment showing an incoming phone call immediately after the order was placed, this call was from the merchant informing me that he had no food available. Im attaching my credit card statement showing the charges and the first credit received, as well as the rebill by XXXX again on XX/XX/XXXX. Please note, I ordered food from another merchant, as seen on my credit card statement, on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from a false credit reporting but I still have ITEMS left that needed to be removed. Despite submitting FTC report # XXXX, these items remain unresolved. Since it is a requirement by law 605b of the FCRA If you choose to not remove the following items listed below which are reporting inaccurately due to incorrect credit data, I will be handing my documents over to my attorney to start a legal action. Its not my intention to pursue any legal action so please adhere to the law Attached here was my new FTC report # XXXX. Please remove the following items as they are erroneous credit report details & were opened without my consent or knowledge : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting or other personal consumer reports

The following is response to complaint ID 's XXXX XXXX The following hard inquiries were not added on those reports EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Debt collection

Theyre trying to collect a debt thats not mines from XXXX cable I ask for their original contract, and I told them this is not me, and XXXX refused to move it
Product: Credit card

I got my first credit card on XX/XX/2016. It was Discover. And my account was closed XXXX days after I got this card. A few days later they sent a message to me, saying that they closed my account due to unsuccessful payment history. I tried to pay off my credit card XXXX days after I got this card, which was XXXX or more days before the first due day. I 'm regularly paid and able to pay off the credit card every month. And I finally paid off before the first due day. The problem about the unsuccessful payment was that I was new to any credit card and any checking account in XXXX. I deposited a check into my checking account ( it was XXXX ) and made a payment to my credit card after XXXX bussiness days when I saw it posted. But this payment was returned because XXXX later told me for those who opened a checking account within XXXX days it would took XXXX bussiness days to process a check. So my payment was returned due to insufficient funds. I explained to Discover that it was because I was a new user and a foreigner and I did n't know so many rules of credit cards or checking accounts. I did n't even know unsuccessful payment history would result in closure of accounts. Payment can be unsuccessful sometimes and it is normal for a new user. I consulted other credit card companies like XXXX. They said they would just restrict some accounts due to unsuccessful payment and these accounts can be reactivated upon payment cleared. But that Discover just arbitrarily closed my account. I think Discover is not at all customer friendly.
Product: Debt collection

XXXX sold my credit card debt to Sarma. I negotiated a 50 % settlement. I would make XXXX payments of {$100.00} a month for XXXX months with a balloon payment on month XXXX. At the time, I was told that the balloon payment could be negotiated into a new payment plan if I was not able to come up with it. I called in XXXX again in anticipation of the balloon payment approaching in XXXXXXXX XXXX 2022. Again, I was told if I could not make the balloon payment I could negotiate the balance. Sarma contacted me this XXXX. I told them I wanted to renegotiate a new payment plan for the balance. The XXXX, XXXX, said that because I could not make the payment that the balance would go back up to essentially the original amount of the debt, XXXX XXXX. She said she could make a new settlement and could " Possibly '' put it in writing. The new settlement did not account for the entire {$1100.00} I had already paid them. I asked her where the {$1100.00} had gone and she could not tell me. I think their practices are crooked and want to know where my {$1100.00} is.
Product: Credit reporting or other personal consumer reports

XXXX notified Equifax of a bankruptcy reported on XX/XX/XXXX. My bankruptcy is XX/XX/XXXX. The company and Equifax added an additional bankruptcy on my credit report in XXXX of XXXX. This information is inaccurate and should be removed Asap.
Product: Debt collection

HEALTHCARE RECEIVABLES G Opened XXXX {$370.00} I had this in my credit report which decreased my credit score. I was never aware of the amount. Debt collector never called me or mailed me. I just found out this recently. 

I called the XXXX health the primary health collector. They finally located the account which was under my infant account for service in XX/XX/XXXX. The bill was sent to my old address ( the new address was updated sometime in XX/XX/XXXX ). 

XXXX asked me to call the collection agency. I called the collection agency on XX/XX/XXXX and paid the amount.
Product: Debt collection

Please be advised that as of XX/XX/2023, as listed on my most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. I have never heard of nor done any business affiliation with them. I've requested VALIDATION of debt but instead, I have received Verification of the debt. It has become increasing clear that they are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.

Here is what the law states about investigations : 623. ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly : ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

As a reference, please see the below accounts in question that must be REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates LLC has failed to validate a purported debt they've been claiming I owed them and refuses to cease and desist from inaccurate reporting and debt collection malpractice by somewhat renewing dates of the so called debt being owed allegedly by me, They have violated sections of 15USC 1681 ( e ) ( n ) ( o ). 
They claim they've investigated and verified the debt to be valid but has yet to produce one single signatory document or contract that validates their claim. They have also failed to produce any methods or processes that they used to come to such a conclusion to an alleged debt that they have failed to validate, This has been very frustrating for me and my family as my letters to Portfolio to delete such information from my credit file has gone unheeded as required by the law.
Product: Mortgage

In XX/XX/2022, I somehow forgot to submit my Mortgage payment to Chase. I have not missed a payment on any bill in over 15 years. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX that a late payment was reported to my account. This notice from XXXX was the only communication I received about this XXXX payment. The moment I received it, I made the payment and contacted Chase about them reporting this late payment to the XXXX. I was told they would do nothing about it, however, I also work for a large bank. I am well aware that based on the FCRA, Chase needs to communicate with me that I have a missing payment, before reporting it to the Credit Bureaus. I have supplied Chase my phone number, address, email address, XXXX, and any other means necessary to contact me. I have their app, which include secure messaging. During no time between my missed XX/XX/XXXX payment and XX/XX/XXXX when I got the notice from XXXX, did Chase attempt to contact me to notify me that I missed a payment. Had they put in some effort to work with me, I would have made the payment the moment I knew it was not submitted. I make my payments online each month, and can only think that I forgot the final submit step when I went to pay XXXX payment. The payment was made the minute I found out about it. I requested to have this removed from my credit report, and they told me no. This is not valid credit reporting, as there is a violation of my fair credit reporting rights due to a lack of effort on Chase to collect this debt before reporting it as delinquent. I would like this removed from my credit report, for all XXXX reporting agencies. I care about my credit, I just wish my bank would too.
Product: Credit reporting or other personal consumer reports

1601. Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection of {$380.00} doesnt exist and they cant prove any invoice to its affect. Medical can prove all bills paid. They can not. I request this collection to be removed from my credit report IMMEDIATELY! This is causing me tremendous financial burdens. Call both XXXX & Grant & Weber and was told by case mngr ( XXXX XXXX ), XXXX XXXX - XXXX x XXXX, they dont even have such an invoice. They were only going by what their customer, XXXX XXXX XXXX, told them!! This unproven claim should of never been put on my credit report!! Please help me correct this.
Product: Credit reporting or other personal consumer reports

My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need record of proper account balance. Account balance is outdated.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax ARE NOT reporting my XXXX Credit Card # XXXX. This Credit Card has been active for XXXX plus years. I have contacted XXXX and Equifax to dispute their non-reporting of this active account. They HAVE NOT resolved it on their end. XXXX indicates that they are reporting this information to all three credit bureaus ( attached ). XXXX is receiving it and reporting it ( attached ).