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

My total XXXX XXXX bill was due on XX/XX/23 in the amount of {$160.00}. I paid this balance IN FULL on XX/XX/23 the day before it was due. To my knowledge, this account was paid off and I no longer owed any money. Apparently, the next billing cycle, Comenity Bank charged me {$3.00} in interest ( even though the total balance was paid off ) and they continued to charge me interest and late fees for 6 months without my knowledge that there was even a balance. They reported it to the credit bureaus on XXXX even though, again, I was under the impression this account was paid off in full. I never received any phone calls or emails saying that I had late fees or was late on any payments and it was not until I ordered a copy of my credit report that I saw this was on there. I have called Comenity Bank 3 times and no one will help other than telling me to write a letter but I need this taken off of my credit report IMMEDIATELY. I can not believe Comenity Bank has the audacity to ruin my credit over {$3.00} that I was unaware of!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act conversion accounts : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  #, XXXX XXXXXXXX XXXX  XXXX, has XXXX my rights 15USC 1681 Section 602a states " I have the rights to privacy '', 15USC 1681 Section 604a Section 2, also states " a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit card or prepaid card

Hi this is XXXX XXXX, I want to file a complaint to American Express. They submitted a late payment to my account which now my credit dropped 26 points because so. My account ending XXXX was due XX/XX/XXXX. I submitted a payment at XX/XX/XXXX of {$200.00}, it was not my intention to be late, i have available funds to pay. I have a 100 % on time payments and i dont find it fair that my credit dropped massively. Please help.
Product: Credit reporting or other personal consumer reports

I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Product: Debt collection

Account paid in full 3 years ago before this debt collection is reporting
Product: Payday loan, title loan, or personal loan

Someone committed fraud with my debit card and credit report. Then i receive a data breach letter from titlemax. Titlemax is guilty of gross negligence. They waited over 90 days to inform me of this data breach. my family attorney instructed me to file this complaint and await a response from title max before we proceed with a class action law suit. Titlemax has offered a 1 year credit monitoring service as if that fixes the problem or compensates me for my NOW decreased credit score and banking issues ive had now due to this. My personal confidential information is now out there forever! No credit monitoring service even begins to correct their gross negligence! I am giving titlemax this one and only opportunity to offer me a more compatible compensation or i will persue this in court. I have also filled complaints with the XXXX the TN governors office in addition to the TN attorney generals office. I just want my account closed my title returned to me and my personal information scrubbed from their system forever! Cut my loan by 50 % ill pay off whats left and that will be the end of it. Otherwise face court fees attorney fees and whatever damages a jury decides is owed. Your call!
Product: Debt collection

XXXX/XXXX/XXXX - Received a bill from XXXX XXXX for {$220.00} Plusfor ( a XXXX debt collector ) reported this debt on my credit report although I have never received any communication directly from Plusfor. Apparently they assigned the collection to XXXX XXXX ( a XXXX debt collector ) as I was a XXXX resident. 
XXXX/XXXX/XXXX - Received a collections notice from XXXX for {$220.00} XXXX/XXXX/XXXX - Sent my HSA account debit card information to XXXX to settle the debt of {$220.00} XXXX/XXXX/XXXX - Called XXXX to confirm they had received my payment information because there had been no transaction on my account. They told me the card had been declined. I asked them to run it again and they told me that once again it had been declined. It turns out that XXXX can not take an HSA payment which is why it was declined. They agreed that I pay XXXX XXXX directly. 
XXXX/XXXX/XXXX - Called XXXX XXXX and paid outstanding balance of {$220.00} XXXX/XXXX/XXXX - Called XXXX to let them know that I had paid the outstanding balance. They informed me that they would get confirmation from XXXX XXXX ( via Plusfor ) and close my account. 
Some days later I talked with XXXX XXXX XXXX at XXXX to confirm that everything was in order. He told me that Plusfor had informed him that there was still an unpaid balance of some {$95.00} - they did update the credit report item from the original {$220.00} to {$98.00}. 
I have followed up several times with all parties : XXXX are clear that my account has been paid in full, Plusfor refuse to talk to me, XXXX XXXX XXXX XXXX XXXX keeps telling me that I still owe some {$95.00}. 
XXXX/XXXX/XXXX - XXXX XXXX XXXX called me. He told me that Plusfor still showed that I had an outstanding debt of {$95.00}. I told him that I had paid the bill in full and that if there was an outstanding debt he should send me the proof - he refused. He said that he had looked at my account on the XXXX XXXX website ( surely a HIPPA violation ) and he said it showed an outstanding balance of {$95.00} - this is not true - the balance shows XXXX following the payment of $ XXXXthat I made on XXXX/XXXX/XXXX to XXXX XXXX. 
Plusfor continue to report a non-existent debt on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX continues to insist that I pay a non-existent {$95.00} debt. The tone of XXXX XXXX 's communication on XXXX/XXXX/XXXX, when he called me, felt like I was being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have a credit accounts with Bank of America. Since XXXX I have been trying to solve a fraud that was committed with my credit card number : XXXX XXXX XXXX XXXX and I am still not satisfied with the responses I have received from the bank. 

The first time someone used that credit card was on XX/XX/2018, at XXXX # XXXX, XXXX, IL that day they paid a total of XXXX, then in that same place they paid XXXX at that same XXXX, on same day at the XXXX XXXX # XXXX store ( XXXX, IL ) they first spent XXXX and then they spent {$33.00}, then at XXXX XXXX XXXX they spent XXXX, then they used a XXXX XXXX XXXX for XXXX and finally at the XXXX XXXX store they spent {$28.00} for a total of {$2900.00}. To inform you of all the expenses of the fraud, I am attaching a document from the bank. 

I have my own car, so I don't use taxis, I don't frequent Down town, since I live and work in XXXX, so my life takes place in the West of the city of XXXX, so I don't understand how these expenses were generated in my credit card. 

I presented my concern to the bank immediately when I discovered this situation, so I made a call on XX/XX/2018 and the bank decided to remove those expenses from my credit card, but the following month to my surprise they put these expenses back on me account, without prior notice, so I am not satisfied with this attitude of the bank towards me, I feel that this was mistreatment, I am XXXX and it has been very hard for me to communicate with the bank in this management. So when I saw that the expenses had been placed again I went to the bank and then they asked me to make a police report, which I made and delivered, they spent a long time without answering me and then I received a letter from the bank without a date like in the month of XXXX is as more or less I remember and in that letter they told me that I have to pay the sum of XXXX without even an explanation about the investigations that the bank did to make this decision. 

It has been a long time but ago but I have heard from this Consumer Financial Protection Bureau and I have decided to open a complaint against the Bank of America and have this case investigated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information/inquires therefore needs to be re-investigated. 

1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX   5. XXXX XXXX 6. XXXX 7. XXXX XXXX ( 2x ) 8.  XXXX 9. XXXX 10. XXXX XXXX XXXX they shouldve only ran my credit report 2x they are showing up on my credit report 4x. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my ACTUAL signature.

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

I am prepared to take legal action against Transunion if these items are not removed immediately. I will not wait another month!
Product: Credit reporting, credit repair services, or other personal consumer reports

I started fixing my credit a few months back and noticed a discrepancy on my child support account. I can honestly say that I have never been late on this account and I have never missed a payment. My XXXX  report does not show a late payment but has not reported any activity since XXXX. Equifax and XXXX  are both inaccurately reporting a late payment in XXXX of XXXX ( Equifax ) and XXXX of XXXX ( XXXX  ) and have not updated since XXXX and XXXX ( respectively ). I'm not sure why there is this discrepancy on my credit report, and I have tried disputing this issue multiple times with the credit bureaus but this account is still showing a late payment when I was not late.
Product: Debt collection

Earlier this summer I had an incident where a theft occurred and this included my XXXX  account which had unauthorized charges and attempts to use cards on file to purchase items. I contacted XXXX XXXX and informed them of situation. I provided documentation letting them know of the incident. I should never have been charged for the unauthorized charges and my account should have never been able to be used to purchase anything at all.
Product: Debt collection

I broke a lease agreement with XXXX XXXX XXXX XXXX After some back and forth, they determined this to be an uncollectable debt and they issued a 1099. They originally sent a 1099-misc, indicating I had received a {$17000.00} payment from them. I notified them that they should have sent a 1099-c ( notice of debt cancellation ) and they assured me that they would send me the correct form to indicate they " gave '' me over $ XXXX. Of course, they didn't " give '' me any money. They " gave '' me this money in the form of debt forgiveness. Both my XXXX and XXXX reports indicate I owe them the money that they " gave '' me, which is now considered taxable income for 2022.XXXX XXXX is aware of this, but now the Law Office of Brett M Borland is not only harrassing me, but my friends as well.
Product: Checking or savings account

On XXXX XXXX I received an text message from my bank that there were suspicious transactions on our account. I called the bank and had those transactions cancelled as fraudulent. The bank issued me a new debit card with new information to replace the compromised one. On XXXX XXXX, I received a similar text stating that additional suspicious transactions occurred on our account and I was contacted by a person whose caller ID appeared as Bank of America with their customer service number associated. This individual had both myself and my wife set up XXXX accounts to have the {$3500.00} fraudulently attempted to taken last week returned to our account. Apparently this was the criminals spoofing BofA as they then transferred {$7000.00} from our account and made it look like as if it was sent from us to us. I called BofA and they said they will do what they can to work with the bank that received our money illegally but since we " authorized '' it, the transaction are " legitimate '' according to their policy. Bank of America needs to get our money back NOW and not act like they have no role
in this scam. If they are being misrepresented by criminals to their customers then they need to step up and do more to prevent this fraud from occurring. Real people are being hurt by this and the bank doesn't really seem to care. They are supposed to protect their customers, not be a party to the fraud that is occurring!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$120.00} XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXXXXXX {$44000.00}
Product: Credit reporting or other personal consumer reports

I am writing to request the correction and update of my personal information as reported by your credit reporting agency under the Fair Credit Reporting Act ( FCRA ). The personal information that should be reported is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please ensure that only this information is reflected in my credit file. If there is any other information present, I request its immediate removal. It is crucial that my credit report is accurate, complete, and up-to-date. 
I expect this information to be updated immediately and request written confirmation once the changes have been made. If you require any further information from me to facilitate this request, please contact me at your earliest convenience. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX, I recieved an email stating someone was added to my wire transfer list and minutes later a transfer was stated for XXXX I immediaty called wells fargo and told them it was not me. They stated a investigation and on XX/XX/XXXX i recieved a letter stating my claim was denied. I called minutes later, they should have canceled the request to wire. Now I have lost XXXX I called right away and lost all my busniess account money to contiune working.Wells Fargo will not help me at all.
Product: Credit reporting or other personal consumer reports

I'm writing because upon checking my credit report I still notice accounts that are not authorized by me I have called and correspond with the credit companies i have disputed this several times before and they are continuing to report inaccurate information that violates the FDCPA when i am a victim of fraud lying saying that accounts are being verified which are not which is causing hardship to my livelihood that treats my reputation They had been reporting false information on a consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a notarized dispute letter regarding inaccurate personal information back in XXXX and they failed to respond. So I filed a second dispute letter along with a copy of the notarized letter regarding the same issue in XXXX. I requested that one name, one address, and one phone number should be present on my report, and any other personal information than what I put on my notarized letter should be removed immediately. Experian responded by removing the last 4 digits of my postal code, and that was it. Simply put, they ignored my dispute all together and should be held accountable. They completely ignored my letter in XXXX, and chose to ignore my XXXX dispute as well.
Product: Debt collection

I checked my credit reports and I noticed a debt from a collection agency I C SYSTEM INC for XXXX for {$550.00} that was placed into collection on XX/XX/15. This debt does not belong to me and I was never notified by the collection agency of this debt so I could dispute it. I never signed a contract with I C SYSTEM INC OR XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed had i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have provided proof with statements showing that this account does not belong to me. I have attempted to have this them remove this account that is not mine and requested documentation proving that it belongs to me I requested this multiple times and i am yet to receive any documentation or proof it belongs to me. They are required to have this removed and if the documents and response are within 30 days this has been over 3 months and still have conflicting information and have not provided proof this belongs to me. I am contacting a lawyer to represent me if this is not addressed, and account is removed from my credit report for emotional distress and punitive damages due to not being able to purchase my home from this false account I never took out. I have never conducted any business nor paid anything to this company.
Product: Checking or savings account

Capital One has not issued my direct deposit. They advertised 1-2 day early direct deposit but my money has not hit my account yet. The issue started XX/XX/year>, capital one sent out a email around XXXX on XX/XX/year>. The email said it would be fixed today XX/XX/year> and it still is not fixed.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Selene Finance has been reporting fraudulent mortgage information to XXXX, XXXX, and XXXX. I have contacted them several times to correct the information but they continue to lower my credit score with false and fraudulent information. Listed below are some of the actions they have done. 

1. They are reporting that the account was opened on XX/XX/XXXX, which it was incorrectly transferred to them on XX/XX/XXXX by XXXX XXXX. 

2. They have reported to XXXX and XXXX that the Last Payment Made was on XX/XX/XXXX, and they reported to XXXX that the Last Payment Made was XX/XX/XXXX. No payments have ever been made to them. This debt was included in Bankruptcy Case filed under XXXX XXXX XXXX the United States Bankruptcy Code, entered on XX/XX/XXXX at XXXXXXXX XXXX and filed on XX/XX/XXXX. The court requested a validation of debt from XXXX XXXX XXXX c/o Selene Finance LP and it was ordered that XXXX XXXX XXXX c/o Selene Finance LP claim XXXX XXXX XXXX It was further ordered that the property was not subject to the bankruptcy estate and debtor XXXX XXXX is not required to pay any amounts to creditor XXXX XXXX XXXX c/o Selene Finance LP XXXX 

3. They have reported a balance of {$180000.00} with {$73000.00} being past due, and there is no past due balance because the loan was paid off thru XXXX XXXX. XXXX XXXX incorrectly transferred a closed mortgage account. 

4. They have labeled the accounts as a Account Included in Bankruptcy, and Loan Modified. This is incorrect because the judge dismissed their claim and stated that I was not required to pay any amounts to creditor XXXX XXXX XXXX c/o Selene Finance LP XXXX 

5. They also continue to show this account as open and currently delinquent.
Product: Credit card or prepaid card

I had two capital one credit cards payed both off unfortunately it was. Reported not paid for both
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account/ collections. And was flagged as fraudulent by credence resource management. Please remove account from my credit report or provide proof within 30days
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saving that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account NumberXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Thank you for your time and help in this matter.