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

I recently pulled my credit and found that XXXX is reporting inaccurate information on my credit from an account with Best Buy. It is showing that the account closed XX/XX/year> until now, while XXXX is saying payments were being made on time. It is impossible to be making on time payments on a closed account, with this being said i understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account has not been verified properly so I want it deleted immediately.
Product: Debt collection

I contacted Kohls Credit card company regarding a credit card that was taken out by my ex husband without my consent in my name. There was a domestic XXXX situation involved at the time it was discovered and I had not addressed it for that reason. I contacted kohls to try and see what my options were to remove this information from my credit report and explained the situation. As a single mom of XXXX I am trying to purchase a home and this is damaging my credit. I even offered to pay it off if that would help me. They assured me I should not pay the debt and would investigate. Over a month went by and I contacted them again to find out the status of the investigation. I spent over an hour on the phone with them while they looked into details. I told them that if they were not going to do anything I wanted to see the original application for this debt since I did not sign anything or agree to this. During that phone call I was told by the kohls fraud department that they were extremely back logged but that this account was going to be removed from my account and that they didnt even have the original documents anymore. I asked her if it was her opinion it would be removed or if she was certain that it was being removed and she assured me it was being removed and to please just be patient with them. Today I got a notification on my credit bureaus that kohls had updated my account to say the account was disputed and that it was valid and my scores went down XXXX points. I have been given the run around, lied to and time wasted. I want this account removed from my credit bureaus if they are not going to provide the original application and proof that this is in fact an account that they claim to be valid.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report. Specifically, there is an account showing an outdated balance that should no longer be reporting, as well as an incorrect address and another individuals social security number attributed to my profile. Please investigate and correct these errors promptly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. CITI XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, CITICARDS CBNA XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. They have broken the following Fair Credit Reporting Act laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. I would like each of the following companies deleted from my credit reports immediately : XXXX XXXX {$990.00} # XXXXXXXX XXXX XXXX {$350.00} # XXXX, XXXX XXXX XXXX XXXX {$5400.00} # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$11000.00} # XXXX. Inquiries : 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

I am stresses and displease that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am very upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I fell your database is inaccurate and I am filing ligation against this if these items aren't removed immediately. The following items/accounts need to be removed : 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 ALSO THE XXXX XXXX ACCOUNTS HAVE THE SAME XXXX XXXX WHICH IS ANOTHER ERROR ON YOUR PART. REMOVE THESE ACCTS IMMEDIATLEY
Product: Debt collection

This letter is in response to a letter received by Portfolio Recovery Associates on XXXX XXXX, 2023. Apparently, XXXX XXXX has sold this account to them, a XXXX party interloper, and it is my belief this is a fraud. Since there is no signature on the documents they have sent me, who is accountable for this contract I am being offered? If they can state their claim & provide that contract I have with them whereas there is a wet ink signature from the Claimant & someone From the RESPONDENT, I would be happy to settle this alleged account. 
I requested VALIDATION and PROOF OF CLAIM made pursuant to the Fair Debt Collection Practices Act and Fair Credit Billing Act. 
XXXX respectfully requested that their offices provided XXXX with competent evidence as per the Declaration and Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt. 
Also, be informed that, for 3 years, their offices have been reporting non-validated information to the XXXX major XXXX XXXX, XXXX, XXXX and XXXX prior to validation and proof of claim of the alleged debt, which I also believes constitutes fraud under both Federal and California XXXX XXXX. And also has caused me significant financial harm and denial of credit. 
Due to this fact, these negative marks found on Claimant 's credit reports by their company and I retain the right to explore options regarding action against them in accordance with Violation of the Fair Credit Reporting Act as well as Violation of the Fair Debt Collection Practices Act, and United States Code TITLE XXXX, CHAPTER XXXX, Sec. XXXX. 
Portfolio Recovery Associates sent XXXX identical letters in response to previous CFPB complaints, XXXX on or about XX/XX/2023 and XXXX on XX/XX/2023, and not once did they provide Proof of Claim of the alleged debt. Therefore, the debt is considered to be invalid, and any documents that they sent me will be returned to them as refused for cause without dishonor upon proof of claim Their office never produced the required documentation in accordance with FTC guidelines and has taken actions which was and is detrimental to Claimants private commercial affairs and credit reports. These actions are a dishonor.

Portfolio Recover Associates failed to provide VALIDATION and PROOF OF CLAIM.; made a false representation of the character of the referenced alleged debt and, made a false representation of the legal status of the referenced alleged debt.
Product: Debt collection

While reviewing my credit report with our military financial advisor, I was informed that Amsher Collection placed a entry on my credit report from XXXX XXXX. However, I was living in government housing ( military housing ) and when you XXXX ( move to a new duty station ) they verify if all utilities were paid including cable. Thus confirming the debt is invalid.
Product: Debt collection

To whom this may concern, CCS Collections are in possession of an invalid debt being negatively reported on my credit report. CCS claims the original creditor is XXXX, but when I contacted XXXX for an itemized bill ; they could not provide one because they stated I have no account with them. 

Please remove this debt as it it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit and I noticed too many inaccurries, inconsistent, and incorrect information regarding account on my credit report at Equifax, XXXX, and XXXX  with the XXXX XXXX Account and the XXXX XXXX Account. I believe there are in violation of the FCRA because of these inaccurries, inconsistent, and incorrect information that they are reporting. I mailed a letter to all 3 Equigax, XXXX, and XXXX  about this on XX/XX/2021 and I havent received any response from them about these errors. There accounts are not 100 % accurrate, correct, and consistent with the 3 bureaus and they also are in violation of the FCRA because they have not responded to me in a timely manner. I attached all of the inaccurate, incorrect and inconsistent information on the report for the accounts listed. As a result, I mailed a demand to comply letter as well.
Product: Debt collection

On XXXX of 2018 I contacted challenge financial company and told them I was out of work and was not able to pay the auto loan they told me theyll give me another month, so that month passed and I was unable to make the payment and till this day I havent been able to get work so today on XX/XX/XXXX after challenge financial calling my fiance with my number somehow and them calling me with my former works number somehow they hacked or did something for me to receive calls from my works number and they called threw this months my uncles and aunts and told them all about the debt and to left a message threw them for me, there was a rep that went on XXXX to my moms house and traspass her private property to look for me I dont live in that house anymore and my uncle went up to him and the rep told my uncle I would get arrested if I dont pay the car to pass on the message and today I call them to try to see if we can arrange something due to me not being able to find work and I till the lady I wont be able to pay the amount and tell her Im waiting for my work permit since I havent work since XXXX she goes ahead and harassed me and tells me shes gon na sue me even tho Im not anywhere close to where my moms house is that I wont get my permit because of it she threaten me that I wont get it because of a lawsuit she was harassing me because of my XXXX  status and didnt let me talk trying to make a deal with her
Product: Debt collection

Contacted both original card holder and XXXX XXXX XXXX to inform it was a fraudulent account. 

Sent letters and informed credit bureaus that the account was fraudulent. 
Contacted XXXX XXXX XXXX and explained that the account was opened and payments were made from someone in Idaho. i have never been to Idaho.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  # XXXX has violated my rights.15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not finish an account without my written 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. I demand that these accounts be permanently deleted from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company, XXXX XXXX XXXX, updated my payment status from XX/XX/2017 for my credit card account. It should now reflect that the payment for that month was never late, however, it is showing that this account was late during that time frame on my XXXX and Equifax reports. I have attached the letter received from XXXX XXXX stating that they have requested that this information be updated.
Product: Checking or savings account

My Bank of America account was closed without notice. I assumed it was closed due to me not utilizing the account. I applied for a XXXX XXXX account but my application was declined due to banking history. I checked my XXXX account as well as early warning services and see that Bank of America reported suspected fraud as the reason for closing my account. I never received any correspondence from Bank of America in reference to this matter nor any correspondence alerting me that my account was closed. I even contacted them with no resolve. I was a victim of identity theft prior to Bank of America closing my account. I was able to get the fraudulent activity removed from my chexsystems by supplying them with a police report and other documentation but early warning services is giving me a hard time trying to dispute this matter.
Product: Debt collection

I don't recall having a contractual relationship with this collection company RECEIVABLE MGMT GROUP. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

On XXXX XXXX I sent a letter via certified Mail to the company for verification of medical debt. On XXXX they sent a response stating in the allotted time they could not verify the debt and they would stop reporting the account to any consumer reporting agencies within a 30 day or more time frame. It is XX/XX/2021 and they are still reporting this unverified account.
Product: Credit reporting

I co-signed a note with my granddaughter for an automobile. In 2014 she stopped paying for the vehicle so I voluntarily surrendered the vehicle to the financial institution and began paying the remainder of the loan. Since that time I have made all payments on time. Equifax has shown the voluntarily surrender to be within the last several months instead of 2014 and will not correct the information. This falsely lowers my credit score and makes me look like a bad credit risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX have not been responding to any of my disputes that I have sent over the last several months and that is against the law! I have not been notified or received any correspondence from them and I've been sending letters since XXXX of 2020. They are reporting serious errors on my credit file and they need to provide me with results!
Product: Checking or savings account

Today is Tuesday, XX/XX/2019. Over the past 12 hours my checking account with Simple ( simple.com ) has not been displaying any of the money in my accounts with the company. I've submitted a support ticket, but have so far received no response or resolution. Even if Simple were to offer an explanation, the effect of sudden disappearance of money from my account would be incredibly unnerving! My account balances should be around {$600.00} in checking and almost {$1000.00} in my emergency fund through Simple 's " Protected Goal '' feature. I've also noticed inconsistencies since yesterday evening when using Simple 's " Instant Transfer '' to receive money from a family member and their account seemed to be debited ( twice ) but no money appeared in mine. While BBVA Compass ( parent bank ) hopefully has the correct transaction logs on the backend, the displayed account totals and delayed transaction log are cause for serious concern and I am not sure I will be able to trust Simple again. These discrepancies are completely unacceptable.
Product: Debt collection

Upon a detailed review of my recent credit report, I noticed several accounts that appear to be fraudulent and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX to date I have written XXXX letters to XXXX XXXX and XXXX letters to XXXX, XXXX XXXX and Equifax. Copy of XXXX attached. 

XXXX XXXX, XXXX, XXXX XXXX, and Equifax are reporting XXXX items which I believe are false. 

Item XXXX is showing a XXXX  day late on my XXXXXXXX XXXX mortgage for XX/XX/XXXX. I have asked for the records or the removal XXXX  times. Each time I get the same response from the credit bureaus. They claim the past due was verified but I have receiving nothing from XXXXXXXX XXXX supporting that claim. The mortgage was in forbearance for covid and should not have been reported late. I would like this removed from all three credit reporting agencies. 

Item XXXX is the balance of my mortgage. The credit reporting companies show I owe a balance of {$630000.00}. The monthy mortage statement shows a much lower balance of {$580000.00}. I have written to XXXXXXXX XXXX XXXX times with no reponse. I have written to all credit agencies but they continue to report the incorrect amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I contacted national credit adjusters concerning a debt collection they put on my credit report, I called him spoke with somebody with the denial and dispute. Told him I needed to be verified the debt because I had no knowledge of it. They did not have a correct address or a correct phone number. Then I called again on XX/XX/XXXX. Talked with somebody again about another deny and dispute 30 days after the first one still no verified of debt mailed to me so I could find out what his problem is and it is XX/XX/XXXX and I still have not received anything in the mail or any phone calls about this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing a collection account in writing as of XX/XX/2018. The collection company ( ProCollect ) called me on a saturday afternoon ( I had not received anything in writing that there was anything to dispute ). The agent was told not to contact me further, and she states, " I will keep calling until you pay your debt -- all calls should be recorded ).

The first collection letter from ProCollect was billed for {$1700.00} ( an amount submitted by XXXX  XXXX/XXXX  ).

After I began my dispute with the 3 credit bureau giants, XXXX made an adjustment to reflect {$910.00} on my credit report as of XX/XX/18. 
I submitted emails the XXXX  and evidence that the property management company ( XXXX XXXX/XXXX  ) admitted the were wrong to bill me for rent when they already had lease on the unit as of XXXX  XXXX. The landlord-tenant laws states a company can not try and collect rent plus reletting fees if another tenant is living in the unit of the prior person. I have made several attempts to have the collection account removed based on these facts, but XXXX, ProCollect and XXXX XXXX have refused to respond or make proper adjustments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 XXXX XXXX reported 9 separate accounts with late payments to XXXX, XXXX, and TransUnion. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to XXXX XXXX.
Product: Checking or savings account

I have been a checking account customer of Wells Fargo since they merged with XXXX XXXX  in XXXX. 

Before the merger, if my account ever went into the negative, the account would stop payments until I brought it back into the positive. 

After the merger, the overdraft fees started happening. 

I struggled from XXXX to around XXXX. I had a system when I knew I wouldn't be able to afford everything for the month. I would make all my small purchases first and wait til the last minute to pay my rent... so I'd only get XXXX overdraft charge a month. The problem is, it rarely worked that way. Somehow the bank would save the multiple small purchases and incorrectly post the transactions AFTER the large transaction. The result was always multiple {$34.00} overdraft charges instead of XXXX. This happened practically every month. XXXX month I remember XXXX overdraft charges ( {$340.00} ). 

I complained to managers at the local branch Wells Fargo XXXX, but they would send me on a wild goose chase and I was never truly heard. I knew it was criminal, but no one was listening. I don't know the total amount STOLEN from me, but the mental toll was immeasurable.