23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried on several occasions to verify the said debt of {$1000.00} with Portfolio Recovery Associates LLC ( PRA ). In XX/XX/XXXX the item was disputed with all 3 major credit bureaus which should have triggered a full investigation to validate the debt. PRA simply responded with a copy of a statement showing a balance of {$1000.00}. They indicated the debt was transferred from XXXX XXXX. This balance of {$1000.00} is being disputed. I have asked PRA to provide detailed statements showing how the balance was accumulated. Their documentation is not sufficient. The most recent statement which is dated XX/XX/XXXX only shows a final balance. The debt was disputed again in XX/XX/XXXX and I received another statement in response to the dispute. I sent these statements to the credit bureaus in XX/XX/XXXX and advised the debt is being disputed. The credit bureaus claim the debt was validated but they have not verified their method of validation. This information requested needs to be provided or removed from my credit immediately as this is a violation of FCRA & FDCPA.
Product: Payday loan, title loan, or personal loan

Can't connect. Pnc says you have to manually put in your bank info but there is no place to do that. I will be changing banks if I can't get reconnected with these apps. No other bank had these issues..
Product: Student loan

I called in many different times over the past several years letting the associates at Navient know that I was having trouble with making my payments. Each time, I was put in a forbearance or differed program. Each program I was put in racked up interest each month without any payment credits. I was never given the option of applying for an income based repayment plan and possibly having a zero payment but at least get credit for payments those months. I would have been several years in now of the IBR plan by  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise US Dept of Education and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my Experian and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!
Product: Credit card

I am disputing the collection account with XXXX XXXX XXXX  account number XXXX dated XX/XX/2023, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXXXXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

XXXX reached out to XXXX, Equifax, XXXX by mail numerous times and yet no response putting these Bureaus over 30 days, 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The following accounts dont have account numbers which in fact shows that all three Credit Bureaus refuse to remove.

5 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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. 
It has been over 30 days since you received my dispute on ( XX/XX/year> ). 
You have not responded to my Dispute and the law clearly states that information that has not been verified within 30 days of the dispute must be deleted. You are hereby put on notice that you have violated 15 USC 1681i and the blow account must be deleted immediately. 
XXXX, XXXX, Equifax : XXXX XXXX XXXX XXXX, XXXX, Equifax : XXXX XXXX XXXX
Product: Debt collection

I saw on my credit report that portfolio recovery had 3 collections and I went over my report and also the information they were providing and nothing matched to me at all.. the address was not any address ive lived in.. the name was incorrect..email and job along with other items.. I disputed the information with the credit report only to have them say it was accurate and thats just not humanly possible. I asked for my signature on anything bearing this is my account along with other items and they could not provide anything and all they did was update their profile after my dispute ... I know my rights as a consumer and will be looking for litigation if this is not successful as I have plenty of evidence to show this is not mine! My rights as a consumer state they must prove 100 % the account is mine and there is no way that was possible so im taking this route and hiring a lawyer next if need be.. thank you for reviewing this!
Product: Credit reporting or other personal consumer reports

The following are hard inquiries placed on my credit report without my knowledge or permission XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the US Code Laws, Charge Off Accounts must report a zero balance on your credit report. I checked my credit report and found so many discrepancies, I demand a full and thorough investigation on all charge off accounts, original signed documents with my signature and proof of unknown inquiries. Also I have no affiliation with these addresses on my profile XXXX XXXX XXXX Balance {$510.00} Status Collection account. {$510.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX {$680.00} XXXX XXXX account. {$680.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Balance {$450.00} Status Collection account. {$450.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX {$1100.00} Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

A fraudulent transfer on XXXX XXXX, XXXX was made from our joint savings account to a man named XXXX XXXX for {$2400.00} through XXXX. I think it goes without saying that we do not know this man. We noticed this charge on XXXX XXXX, XXXX and attempted to take swift action by calling Bank of America to file a claim but were unable to at that time due to office closure on weekends. In a second attempt to contact anyone who may have additional knowledge on addressing our issue, we also went to the Bank of America located in downtown XXXX XXXX to consult with an employee. This inept employee could only provide a phone number for us to call, which we later learned was a wrong number. 
On Monday, XXXX XXXX, XXXX at roughly XXXX XXXX, my husband checked our savings account to reference it as he prepared to call Bank of America to file the claim. To his shock he saw that a second fraudulent transfer was made. This time the transfer was made to a XXXX XXXX for {$2400.00}, again through XXXX and to an individual whom we do not know. The Bank of America associate assisted my husband with filing a claim to report the two fraudulent transfers and in response, he placed a hold for {$880000.00} on the account. He explained that it may take up to 10 days to investigate the claim but provided vague details regarding next steps. 
On XXXX XXXX, my husband called Bank of America to follow up on our claim. The Bank of America associate explained that they investigated the claim and found that there was no indication that it was a fraudulent transfer because the transfer was made on the same device. This argument is weak to assume that fraud can only occur if using different devices. He was speechless to learn that they would not be able to get our money back because they deemed the transfers legitimate. I am concerned that this issue is not being handled correctly and no protections are in place when making large, by our standards, transfers. While we have asked to have Bank of America look at our claim again, the associate has advised us to take legal action. I understand that this is his job to explain alternatives, but for individuals who are trying to get their money back, unfortunately we do not have discretionary funds to afford a lawyer. While this amount may seem low in comparison to the billions of dollars being shuffled through the bank system, this {$4900.00} is important for us to have for a rainy day and clearly, is it flat out wrong to steal from people! In addition to trying to get our money back, I am concerned about the integrity of the Bank of America online platform and its ability to detect identity theft. I demand action from Bank of America and the agencies that are meant to protect consumers. 

We have filed a report with the XXXX XXXX, XXXX XXXX, and XXXX XXXX Police Departments and waiting to hear from them. I am at a loss as to what other steps we need to take to recuperate our stolen money, so I urge you to hear us out and help us with this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than 30 days since I mailed out letters about unknown things on my credit report to the bureaus. Up until now I still got those unknown things on my credit report, they did not do anything about my complaint. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly.
Product: Debt collection

They constantly call numerous times during the day and early evening. My husband asks what it 's in reference too then they hang up.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF FRAUD AND I HAVE IDENTIFIED ITEMS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DO NOT HAVE A DEBT WITH THIS COMPANY. I DID NOT AGREE OR GO INTO CONTRACT WITH THIS COMPANY AND DO NOT KNOW WHO THEY ARE OR WHAT DEBT THEY SPEAK OF
Product: Credit card or prepaid card

On XX/XX/2020 I tried to get information about balances and transaction amounts on 5 ( five ) Rewards Cards issued by US Bank with the Debit/Visa logo on the front. I tried calling their automated service which supposedly gives balances and transaction histories. None of our transaction histories were in the system. It said XXXX balance available but NO TRANSACTIONS. That makes no sense. I tried to reach a human being to discuss this and stayed on hold for 20 minutes listening to their annoying on-hold music only to finally reach someone who couldn't help me dispute charges like their phone system offered ... instead they wanted to give me another phone number to call. WHAT? The automated voice system said I could get card information on a website. The website was an absurd creation by someone who doesn't know how to design websites, and it created errors repeatedly. There were NO OPTIONS to address an issue with the website. US Bank has done and incredible job of erecting barriers and obstacles for their victims ( customers ) to waste time on before giving up. Apparently this is their business model. On the back of the card it claims they can charge $ XXXX/month if you don't use the card. Really? You can't get info from a human, you cant get info from their 800 number obstacle course and you can not get registered on their ridiculous non-functional website. What a joke. I need someone from US Bank to call me to get this resolved so I don't need to waste more time as US Bank 's victim/customer.
Product: Credit card or prepaid card

American Express misleading billing policy, inaccurate billing statement and increase interest when a person was not even past due and adding false late fees to my billing statements which caused, excessive interest charges to my total balance and cause an excessive high balance to show up on misleading and inaccurate billing statements, therefore causing me to make over payment on false interest fees and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on KAY JEWELERS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Asses this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this company {$5000.00} on XX/XX/XXXX of XXXX. They claimed they have reported to the credit bureaus, but my credit has taken a hit & it still shows that I owe them money till this day. I have spoken to them today, XX/XX/XXXX of XXXX, to just get told that I have to file a dispute the credit bureaus & they cant do nothing else to help me, saying that they supposedly reported it already to the bureaus. But its been well over 120 days since my payment & instead my credit has gotten worse since then. They also have stated to me that they will contact the collection agency they hired & notify them that I have settled the account, but that remains untrue. The collection agency still shows up on my credit stating that I owe them money & that they havent received any notification from the bank I paid off. Which tells me that the bank is lying to me & has been continuously hurting my credit.
Product: Credit reporting or other personal consumer reports

I had recently been lucky enough to have a friend put me as an authorized user on his XXXX XXXX, this XXXX XXXX has a {$18000.00} limit with a XXXX balance and was opened in XXXX, my credit score at the time was starting to go up it was about XXXX and I was placed as a authorized user about a week after that. Once it went through and the credit bureaus picked it up and accounted for it, I believe they unfairly and for no reason that they could explain or anybody else for that matter, dropped my score XXXX points instead of increased it. This card was triple my current credit limit, it was XXXX times my credit age and it should have increase my score quite a bit but there's absolutely no other indication that anything else happened, no closed accounts or anything strange in a long time, and most definitely not on the day they factored in this severe drop, so I called the credit Bureau in question ( XXXX ) and I asked them what's going on. The gentleman could not explain it, he could not find any reason for it and he even mentioned that it's probably just a malfunction within the system. My credit utilization has been at 3 % and I have been paying all of my bills and trying my darndest to save my family 's legacy with a auto repair shop that is struggling severely that was opened in XXXX by my grandfather. I have done everything I can to appease the bureaus but no matter what I do it seems to go back the other way and most of the time they can't explain it, what I'm asking for is to please look into my credit score as a whole because I feel like I have been unjustly prejudiced against from past grievances, As if a higher credit Limit and XXXX times the credit age is somehow a negative. I used the bureau 's simulator to see what I would have to do to get a score drop that's severe of XXXX points and I would have had to have claimed bankruptcy for it to even to get close and it still wouldn't be XXXX points. I believe it was supposed to go up XXXX points from getting that card not down XXXX. There's nothing else that happened that day nothing came in that was new as far as a closed account or any type of derogatory, I had multiple professionals check my report and I went over it with a fine tooth comb XXXX times myself to see what was going on and why this drop when it should have been going up, but it was only that card that was added which was supposed to be a huge positive for me, I was going to be able to apply for a XXXX loan and save my father 's company, Instead we're about to lose everything if this doesn't get fixed soon and I start getting treated fairly by these credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX is listed on my credit report with XXXX. Inquiry from  XX/XX/2020. I did not authorize this inquiry. I called XXXXXXXX XXXX XXXXXXXX and was informed they had no information on me to file a dispute. I tried filing a dispute with transunion however it would not go through. and noone answers the phone.
Product: Checking or savings account

On XX/XX/year> I deposited a check from my employer into my account. The check was placed on a hold. On XX/XX/year> I called and spoke to a banker who contacted XXXX XXXX and verified funds and released the hold on my funds. That evening I attempted a XXXX payment for my child support which resulted in my account being restricted. I contacted the bank and was told there was nothing they could do due to not being able to verify my identity. I called the fraud department again on XX/XX/year> and was told the same thing. I called again on XX/XX/year> and was told I would need to go into a branch to verify my identity. On XX/XX/year> I went to the branch and verified my identity and was told my account would no longer be restricted, however XXXX minutes later it was restricted again. I contacted the fraud department again and was told they are closing my account and that I could go to the branch to withdraw the funds in my account. On XX/XX/year> I spoke to a banker at the branch and was told I am not able to withdraw my funds and would have to wait for a check in the mail. I then called the fraud department again to find out when I would receive the check and was told they would not even close my account until XX/XX/year> and then I would have to wait until the check is received in the mail. I expressed to them the inability to wait that long for my funds in which they still refused to release my funds
Product: Debt collection

Hello, It's unfortunate that this debt KEEP popping up on my credit profile. I have advised that I was a victim of identity theft and it was removed! However once again it ha been added to my report and this is tarnishing my credit score. Please rectify this issue for once so I can move forward in life. I have attached the previous identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

this inquires I found on my transunion account is reporting as n incorrect inquire nit performed or agreed to by me. 

I have reached out to XXXX XXXX XXXX and other companies reporting inaccuracies to kindly remove this as it Is a fruadlent inquiry, they have refused to oblige XXXX XXXXXXXX XXXX XX/XX/2022 credit card light stream. XX/XX/XXXX XXXX instalment loan XXXX  XXXX auto. auto loan {$3200.00} this account was paid off but still reports on my account there fore it is inn. accurate and XXXX must must be blocked and deleted and balances reported on this loan are incorrect acrross all XXXX reporting agencies therefore had to be deleted