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

Portfolio Recoveries listed a collection account on my credit report. I contacted them and we settled the account and I was told in writing as well as from their website directly that once the account was paid in full it would be deleted within 30 days. The account is paid in full, but 2 days after it was paid the account updated with a balance. It was not deleted, and the balance due was updated to {$200.00}. 
They need to stand by their word and delete the account not update the account/ balance. 

I am submitting proof directly from their website showing their policy about deleting it, not updating it. Also showing proof its been paid in full.
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

i am requesting my copy of the 1099-c from each company so i can file it on my taxes as income, since it was charge off. Income can not be reported on my credit report which is inaccurate information. 

XXXX XXXX XXXX XXXX {$1000.00} comenityXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that these accounts be deleted from my credit report
Product: Debt collection

This company has been on my credit report some time stating I owe a debt to them. I have never received mail in correspondance to this debt. I have contacted the company on multiple occasions through the number provided online ( XXXX, FL based company ) with little resolve to the situation. I have been hung up on, transferred repeatedly to sit on hold for long periods of time with ultimately no resolve to the situation, I have been told they can not proceed without a claim number ( which was never administered ), I have been told this company can not find debt under my name and information YET IT IS ON MY CREDIT REPORT! I am fed up with the lack of effort they have provided in addressing this " debt '' I supposedly owe. Each time I call I am transferred to an employee with a completely different excuse than the last. If I am such a stranger on their files why is my credit report being bogged down with this bogus charge! Since I have actively tried for a period of time to resolve this I am bringing the issue to your attention in hopes of some breakthrough in clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX XXXX XXXXXXXX in 2010. At the time the proffessor failed to enter my grade into the system and I was notified that I had a balance due because dropping the class meant I was now a part time student not full-time student so Financial Aid was refunded. I went to my financial advisor XXXX and explained that was incorrect. I never withdrew from the class. As a matter of fact I A'ed it. I went back to the proffessor, he said he's correct the error and brought proof to my financial advisor XXXX. At the time I explained that I will not be returning to school due to the fact that I was going through a XXXX, pregnant, seeing a therapist, etc and didnt want to mess up my GPA . He said no problem. However, for me not to be responsible for the funds they returned to Fianacial Aid, he's going to have to put me in classes, apply for the funds from Financial Aid to get the class they mistakenly send the money back for covered, then he'd withdraw me from all the classes and I'll be OK. I specifically told him I don't want this to effect me in any way or have issues. It didnt sound right. He said not to worry, I'll be fine. Of course, as a student, you'd think I could entrust in my financial advisor. Once I saw it on my Credit Report, I immediately starting trying to resolve this issue with the school through phone calls and emails. I just kept getting transferred. Then I tried disputing it with the credit beureaus, they would come off and reappear as something new because the accounts keep getting sold. I contacted XXXX XXXX XXXXXXXX last week to find about my transcripts which still shows as me dropping the class. i never noticed before due to the fact I never requested them till now. I explained everything to them and they didnt want to hear anything. they said I waited too long. I told them I complained immediately when everything happened and was told it was resolved. now I see it hasnt. I asked to speak to the proffessor or my advisor, they said the campus closed so I cant do anything. I don't know where else to turn. It is frustrating being responsible for something they made an error on, and fraud just to get paid and still didnt give me my credit for a class I took which was difficult for me to get through. The accounts are currently showing under US DEPT OF EDXXXX {$9700.00} XXXX XXXX and the other is {$7300.00}. 
They need to remove this off my credit. It is not valid. I also have a letter clearing my debt.
Product: Checking or savings account

There were several transactions which were not mine. I disputed these transactions and went into the bank in person and let them know that I was not the person who transacted or received what was bought with my bank account. I was chased into the bank by a XXXX XXXX  while another XXXX woman was outside in the parking lot and standing, watching the ATM machine with her camera phone. I took a photo of the woman watching the ATM machine with her camera phone, and they started chasing me. I could not use the ATM because of them and they chased me into the bank. The XXXX called the police, XXXX police department never showed up. I waited for an hour. This was in XXXX, New York XXXX XXXX being the city nearest. The location was on XXXX XXXX. The transactions totaled more than the balance which is currently sent to collection. There were many items which were never delivered, there were also payments made for my car, electricity, and other services that the companies never received at all. The money was deducted from my account and the bank has refused to send me my XXXX statement, I also need statements for the other months. The bank has continued to say that it is duplicate complaint, I have lost a lot of money now, and this is no duplicate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, I am entitled to have these entries removed to protect my credit, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

The accounts in question are as follows : XXXX XXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$0.00} The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have been sending the creditor what they have been asking for to get my account paid off in 3 years. However, they have misled me in believing this amount would actually pay off the account but as you will read it does not. It is very misleading and to be unlawful. I have pasted my original complaint to them as follows. 

****I just looked at my statement you have if I make min payments it will take me 6 years to pay off and if I make XXXX a month it will take 3 years. Needless to say, I send you XXXX and interest is over XXXX? How is this account getting paid down in the 3-year window you have printed? Very misleading to the consumer. **** Their response had nothing to do with my concern and they informed me they are following Federal guidelines as to the posting of the information but federal guidelines DO not state it has to be accurate. There reply is as posted. 

**** Dear XXXX XXXX XXXX, Thank you for your recent email. 

Providing three years of pay-off information is required under federal law, which we comply with. CFNA does not provide alternate pay-off plans as too many factors can change e.g. a late payment fee, NSF fee, assisted operator fee, new purchases, etc. We recommend that you utilize one of the many pay-off calculators available online. To utilize such a calculator, you just need to enter the term of the loan ( 3 years ), outstanding balance and interest rate ( 28.8 % ) to calculate the amount your payments should be to pay off your loan, assuming no other activity on your account. 

****All I know is that " there '' factoring has created more money in their pockets for I have always followed what the creditor has started to send in to pay off my accounts earlier and with less interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has been reporting 2 accounts incorrectly since the pandemic occurred I have done everything I could on my part and its still showing incorrectly. Continues to damage my report. 
I have disputed since last XXXX almost every 3 months with the bureaus and still nothing Capital One is horrible and so are the reporting agencies for not investing properly.
Product: Debt collection

Pinnacle told me to not fight this anymore cause they day account is mine I have asked them to send assigned contract to prove its mine same response every time they have over XXXX compliant online needs to have something done about it they threatened me when I called
Product: Credit reporting or other personal consumer reports

Please remove inquiry from XXXXXXXX XXXX XXXX  XXXX XX/XX/year> from my Experian credit report. This was not authorized. This was after a data breach alert happened. This inquiry was made out of the blue. This inquiry needs to be removed. 
I have no accounts/loans/credit cards with this XXXX.
Product: Debt collection

collecter violated fdcpa .... he has called a few times leaving very intrusive and derigatory voicemails on my phone
Product: Credit card or prepaid card

The credit card company is Avant credit card. I have been attempting to resolve a dispute since XX/XX/2022 for an unauthorized charge in the amount of XXXX for a merchant I do not recognize. The company had never contacted me regarding the dispute. I have never used the card for any purchase since the accountnwas opened. I am also trying to close the account out. I am now being charged a XXXX late fee since I refuse to make payment on a fraudulent charge. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PAID XXXX XXXX IN FULL FOR MY ACCOUNT YET THEY CONTINUE TO REPORT INACCURATE INFORMATON TO THE CREDIT REPORTING SERVICE, TRANSUNION, XXXX, AND XXXX. ALSO, THE CREDIR REPORTING AGENCY WITH EVIDENCE OF PAYMENT OF THIS ACCOUNT REFUSE TO CORRECT MY RECORDS. 

THIS HAS LED TO MY ACCOUNT BEING ERRONOUSLY AND MALICOUSLY BEING UPDATED AS DID NOT PAY AND BALANCE PENDING.. THIS IS DEFAMATION TO MY CREDIT SCORE.
Product: Debt collection

I paid my Synchrony Bank account balance in full on XX/XX/2022 for {$95.00}. after a balance of {$0.00} took it to collections for near {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to complaint number XXXX filed with Consumer financial protection bureau Transunion XXXX XXXX XXXX XX/XX/2022 : RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days.

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXXXXXXVERIFIED AS REPORTED This is a LIE and UNTRUE! Transunion did not verify this bankruptcy with the bankruptcy court. I have attached document from bankruptcy court stating they do not report nor verify information with the credit reporting agencies.

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 USC1681. Transunion 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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX Account # XXXX, Amount {$390.00} ) violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer, and I am fully aware of my rights as outlined in the Fair Credit Reporting Act ( FCRA ), including my right to privacy under 15 USC 1681a ( 4 ). This statement is being submitted by me, XXXX XXXX, and not by any third-party agency. I am attempting to resolve this matter directly and privately. Upon reviewing my credit report, I identified an account that is inaccurate and must be immediately deleted. The account in question is XXXX XXXX, Account Number : XXXX, with a date opened of XX/XX/year>. TransUnion has violated my consumer rights under 15 USC 1681b ( 2 ), which governs the permissible purposes of consumer reports. According to the law, a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided TransUnion or any other Credit Reporting Agency with written authorization or instructions to report this account. Reporting this information without my consent is a clear violation of federal law and the FCRA. Furthermore, this unauthorized reporting constitutes alleged identity theft, resulting in defamation of my character and causing significant personal and financial harm. 
This erroneous entry on my credit report has directly impacted my ability to secure a mortgage, leaving my family in a precarious and nearly homeless situation. The emotional and financial damages I have sustained due to this negligence are significant. I demand that TransUnion immediately delete this inaccurate account from my consumer report. Additionally, I require a written response confirming the deletion of this account within 14 days, along with a new, updated copy of my consumer report reflecting these changes. Failure to address and resolve this issue will result in further legal action, as I will not allow my rights as a consumer to be disregarded.
Product: Credit reporting

I am not receiving the benefit of the service I am paying for. 
Customer Care Department will tell me that I need to contact disputes department because I have pulled my credit too many times they need to unlock something. Disputes department will tell me that I need to contact the disputes department because there is an issue with the name on my file. I have been going in this circle for four days. I asked to speak to a supervisor the supervisor transferred me over to a representative that said he entered a ticket number. He would not provide me with a ticket number. I asked to speak to a manager ... he put me in contact with a floor supervisor XXXX : Employee number XXXX. She provided with a ticket number that the rep would not provide me with : Technical Ticket XXXX. I explained that I am paying for Equifax Complete Premier Plan, and requested a refund for the down time. She explained that the technical department would do that. I explained that I never received my credit from the last time. Last time this occurred I did not have access for two + weeks. I asked if she could look into her system to tell me how long this was down for. She would not. My complaint is that I am paying for a service that I am not receiving the benefit of. Nor will they credit for down time. They can view their records and now how long I have not had access.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified an accounts that is inaccurately reporting late payments. I wish to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you promptly investigate this account and make the necessary corrections.. I have contacted the company associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and remove the late payments. 

The accounts in question is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, I found inaccurate accounts on my credit report, and I have no clue how they appeared. I checked my report as usual, but this time, there were errors I hadnt seen before. I attempted to refresh my browser, hoping it was a temporary issue, but nothing changed. Because of this, I ask that my submitted documents be carefully reviewed to ensure I no longer have to worry about this problem.
Product: Credit card or prepaid card

DEAR COMENITY BANK/LNBRYANT ( XXXX XXXX XXXX XXXX, OH XXXX ; ) I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XXXX OF 2020 FOR 60 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I XXXX XXXX - Natural Person Sent Validation of Debt request on XXXX XXXX To Phoenix Financial Service They did not comply 5 days after speaking with me I requested validation and they did not provide They have failed to cease collection of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/1982 SS : XXXX I have several addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses. I am a victim of fraud so I am trying to protect the integrity of my credit file the best I can. I have filed a police report in XXXX XXXX and XXXX XXXX. I found several accounts on my credit that are fraudulent and not accurate. 
XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX PA,XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX RI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX # XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX PA, XXXX
Product: Credit reporting or other personal consumer reports

I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX