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

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable by perjury under 18 U.S.C. 1621. These items in my credit report are not related to any transactions I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money. If you feel I obtained goods or services please have a senior XXXX from your company certify under the penalty of perjury that i received goods or services. These companies are in violation for putting these unknown hard inquiries on my credit report. This has caused unwanted suffering and is defamation of my character. These hard inquiries are not mine and I did not authorize it. Please investigate and remove it from my credit report asap. 


XXXX. XXXX XXXX Date : XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I made a monthly Payment to my PayPal world Mastercard ( Synchrony Bank ). They Payment was in the Amount of $ XXXX The Payment did not go threw due to insuffent funds in the account. when I became aware of the problem I transfered the money from my other checking account into the correct account. 
I then resubmitted my monthly Payment to Paypal World Mastercard. The Payment was Made for the full monthly statement and Paid Ontime. 
I have then been receiving letters from XXXX Bank stating that They received the Payment that day but the Payment was Returned to my Bank. XXXX XXXX XXXX XXXX XXXX ) And I Still owe the $ XXXX I have contacted PayPal multiple times reguarding the problem. They say the Payment went through fine. 
I Have contacted my Bank Multiple times reguarding the problem, They say the Payment went through fine and was NOT Returned like Synchrony Bank is Saying. I have had the Bank Provide me with emails/ Letters Showing the Succesfull Payment with all information needed and requested From Sychrony Bank to Locate the Payment and I still end up with another Letter from XXXX stating that they have not got the Payment. 
I have Contacted Synchrony Bank countless times On the Phone ( 16+ HRS ), Mail, Their Online Chat Center, and Message center on the PayPal website which keeps track of the Messages. I have opened many Cases with them to resolve the issue And I am Getting no where with them. 
This has been Going on for 11 Months. I do Not miss any Payments and I hold an XXXX Credit Score. I am at my whits end so I finally contacted a Laywer friend for advice and Was refered to The AG office. 
PLEASE PLEASE Help me out with this if you can. 

The Business 's customer service responded multiple times on the phone that their was a Problem on their end and they could see all the Information I had Provided was correct and I was all set and squared away. they said it may take a few days or a week to show on my online statement the corrections.

As time went by I had to contact them again because the Problem still existed and was informed over again that I had not made my Payment. 
I received a letter after every case I have opened with them stating the same thing.
Product: Credit card or prepaid card

Have tried 3 times to apply for COVID-19 payment forebearance through the app, an error message popped up saying unable, try again later. I have called but nobody will get on the phone to help me. My husband is furloughed and we are unable to keep up on our bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have have repeatedly disputed many fraudulent collections accounts on my reports across all 3 reporting agencies. especially after my last CFPB complaint some collections accounts have been closed and removed from my report but not from all 3 agencies. I am just searching for consistency between the 3 agencies, it has been 3 months and 2 agencies still show a few accounts as open when after the CFPB results say closed.
Product: Debt collection

I had a medical debt that was transferred to Capital Accounts LLC, I  paid the account in full on XX/XX/2017 but it still shows on my credit report that a balance is owed. I have called 3 times and every time I call they tell me they will get my information sent over to the credit bureau. Each time that I call the representatives are very rude. I just want this removed from my credit like they assured me it would be.
Product: Credit card

I paid the balance of the card less credits expected from Citibank as a result of interest and fee reversals that were pending. I received a collection call 90 days after this payment stating that I had a balance of {$37.00}. Confused, I contacted Citi and reviewed my statement. I was told that I did not pay the the balance of the account in XXXX and therefore the {$9.00} remaining balance plus {$9.00} interest was outstanding and that resulted in a an {$18.00} late fee. My concern is that I paid the amount advised by the Citi bank representative to bring my account balance to XXXX. After speaking with a representative today I was told that the amount provided by the rep in XXXX is an estimate and may not include interest or fees. My concern is this miscalculation by the CitiBank Rep resulted in an additional {$9.00} in interest and nearly {$20.00} in fees. The erroneous charges as a result of their customers service representative miscalculation is very predatory. I attempted to escalate the matter and was told they can not reverse the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] 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 ) to be in error : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ NEED LATE PAYMENT REMOVED, ACCOUNT REMOVED. HISTORY ALSO By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX ]
Product: Bank account or service

The following quote was posted on XXXX which is virtually identical to what happened to me in XXXX. BOA also reported this credit card in XXXX as if it was the creditor to four credit reporting agencies. It was not the creditor in XXXX when I paid it off and closed it. See other CFPB complaints by me since XX/XX/XXXX, for details of my experience. Given the XXXX mass fraud scheme that mimics this behavior in my case and XXXX case, there should be an investigation industry-wide. Examining customers ' credit reports may reveal what the banks may try to cover up - as in my case. BOA told me they would mail me XXXX statements - which should reflect the monthly payments - but did not. Acquisitions and reporting are two entirely different things. Acquiring an account that is closed ca n't be listed as accounts receivable with XXXX consecutive payments in a row in XXXX, without some intent to deceive. Here is the quoted post : " ... Share on Facebook ( Opens in new window ) Click to share on Twitter ( Opens in new window ) Click to share on LinkedIn ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX+ ( Opens in new window ) By XXXX XX/XX/XXXX At Bank of America , your accounts are XXXX . As in, undergoing 'eternal return, ' where accounts that have been closed and passed on will reemerge, rejuvenated, reopened, even if you closed them long, long, ago. Reader XXXX writes : IShare on XXXX ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX+ ( Opens in new window ) By XXXX XX/XX/XXXX At Bank of America , your accounts are XXXX . As in, undergoing " eternal return, '' where accounts that have been closed and passed on will reemerge, rejuvenated, reopened, even if you closed them long, long, ago. Reader XXXX writes : I recently moved to a new home and called Bank of America to notify them of the new address. A few weeks ago, I received a " replacement '' BoA credit card. This confused me greatly, because the only account I have with them is my checking account! On top of that, the card said I was a member since XXXX. That was my first year of college, I only had one card back then, and I was so annoyed by that company ( which was not BoA ), I canceled the card after only a few months. 

Once I finally got in touch with someone useful, we worked out that somewhere in the course of various bank acquisitions, they ended up owning my closed account. So for my convenience, they were kind enough to reopen my closed account. I immediately had them close the account, but I really did not like this experience. The credit account had been closed for almost 10 years, and they reopened it without any direct involvement from me ... '' I think the weblink is supposed to be " consumerist. ''
Product: Debt or credit management

the balances were much lower before they went into collections, when I called & tried to understand their fees they provided little to no insight. I tried to work with the Funiture company but they refused to work with me or take any payment
Product: Credit card or prepaid card

I called the company ( XXXX  ) to ensure my auto pay was on and would be continues to stay on prior to XX/XX/XXXX ( my due date ) .I get a call thursday XX/XX/XXXX and Friday XX/XX/XXXX stating I had an every due balance ( robo call ). Saturday XX/XX/XXXX they called AGAIN demanding payment immediately and stated my auto pay was shut off. They called again XX/XX/XXXX at XXXX am to get a payment AFTER telling them less than an hour before I would call them in a week for payment since my auto pay was *magically* was turned off. They called AGAIN Sunday XX/XX/XXXX @ XXXX, XXXX am, XXXX am, and XXXX am. Even tho I repeated for the past several days I would call back in a week - and yet they continue to harass me.
Product: Payday loan, title loan, personal loan, or advance loan

Was applying for online XXXX XXXX  of the loan brokers asked for payday and routing XXXX  and checking account # said loan processing. Never got anything else but money in my account {$500.00}. Nothing but text XX/XX/XXXX saying payment due XX/XX/XXXX. No truth in lending docs no nothing. I would never sign for a loan pmt on first of month as rents due and paycheck enough for rent and food and gas till the XXXX! XXXX was {$310.00} on a {$500.00} loan I got no idea how many payments this loan is either. This another one of those XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have filed a complaint with the company already but I received a call from a lady this company in regards to this matter and she was very aggressive, demanding and treating.
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 Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXXXX/XX/year> : XXXX  XXXX XX/XX/year> XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THD/CBNA 2 LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Highest balance {$2300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I didn't authorize these inquiries *EQUIFAX* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXXXXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions asked, requested, and demanded that the 3 major reporting credit agencies Remove any and all fraud alerts and statements attached to my credit profile. Seemingly that the credit agencies has somehow over looked my request, Im now filing an official complaint and re requesting that the 3 major credit bureaus, ( Transunion, XXXX, and XXXX ) Remove All Fraud Alerts and Statements from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to chase who has responded, however XXXX, XXXX and XXXX still reports fraudulent inquiries from a chase account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.
Product: Credit reporting

Transunion is reporting a " unconfirmed '' Chapter XXXX Bankruptcy. 
I changed my mind about the bankruptcy and asked my attorney to cancel. Please see the attached documentation.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter explaining there are incorrect information on my credit report and would like it removed. I looked at my credit report and noticed the wrong addresses are still showing up. its addresses on m credit that I have never lived at. I am hoping all 3 credit Bureau EXPERIAN, XXXX, XXXX fix the problem and remove inaccurate information of my credit report immediately.
Product: Debt collection

I been receiving calls from Portfolio Recovery several times a day including at work when they know I can not be on the phone at work its just keeps on getting worse! Especially XXXX/XXXX/XXXX I received a call from XXXX She refused to tell me why she was calling until i told her my name and she was very rude. I told her I would pay the account if PRA would delete it from my credit file she went on saying it will be on my credit until XX/XX/XXXX so she went on and said lets pay it. I never received any notifications from PRA in writing or any notifications on how to dispute this debt with them. I went to PRA website located at https : //www.portfoliorecovery.com/ I chat with a person and she told me i would have to call the rude people I let her know this company would attract more bees with honey than vinegar and my experience with this company has been alot of vinegar. She went on and open a complaint with there internal department but that all she can do. I did look at the accounts they claim I owe them online in there portal and the only information it has the name of the original creditor and the balance owed to the original creditor and the last payment the original creditor got and that 's it. There is no proof that they bought the loan from the original creditor. They might of only purchased the information such as name phone number last 4 of ssn and account info name and last payment but again there is n't proof of that either. I also want PRA to stop calling me off of an automatic dial system such as " ROBO CALLS ''.
Product: Debt collection

My information was compromised on a XXXX government job website XXXX years ago. Since then I been receiving non stop calls about debts that I owe. But I do n't owe anything. They wo n't stop calling. They state that they are going to turn it over to the state attorney, and I am going to be locked up. They call all my family members, harassing them. I have yet to see anything officially in writing by certified mail. They call me from XXXX, XXXX, XXXX XXXX, XXXX, if not these number change with an automated message. APS is the collection agency I guess. XXXX that calls in regards to account # XXXX. Account number has been associated with a couple of these numbers but different voice messages.
Product: Credit card or prepaid card

Order XXXX was placed and billed to my target credit card on XX/XX/2020. Target shipped the goods 11 days later on two separate tracking number. Tracking XXXX was refused and returned to XXXX. Til date I have not received XXXX for the returned item that was never received. I've called several times and was transferred numerous times. No goods or funds. I desire a refund of {$300.00}
Product: Credit reporting or other personal consumer reports

someone onXXXX stole my name and tried to do an hard credit check from this bank COMENITYCAPITAL/HOUZ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and I want it removed from my credit score at XXXX I never signed up at this bank before and I don't live in Ohio
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX  XXXX and XXXX XXXX XXXX