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

The XXXX County Domestic Relations Section in XXXX Pennsylvania has been reporting alimony pendente lite ( hereafter APL ) to all three credit reporting agencies as " Child Support '' and placed for collection and XXXX County Domestic Relations as a creditor. In the Experian and XXXX XXXX they have it listed as a " Individual Loan '' and still listed as a Child Support loan. Not only is this a violation of the FCRA for reporting it as Child Support When in fact i am not and have not been late on Child Support payments. In fact I am over paid and have a balance they state issues me a credit every month for over paying. The Domestic Relations Department stated to me in several emails and verbally on the phone that They know its being reported incorrectly but they have no other way of handling this and do it for thousands of others. Upon making many attempts to get it correctly through XXXX County in writing and directly through the Credit Reporting Agencies, I was always told it wont change. I filed a law suit after 9 months of failed attempts and losing several credit cards and a home loan due to the misrepresenting on my credit report. The same day as filing the law suit, XXXX County Sent an email accepting fault and said they will fix the credit report for me. They have fixed it, but not prior to causing me enormous financial harm and damage to my reputation with creditors and with those within our community and business relationships with my banks. I am still proceeding through the courts with this suit, but I am writing you as I am concerned that this is happening to many others with in our community and possibly state.
Product: Checking or savings account

On XX/XX/XXXX I went through the drive through of Chase Bank XXXX XXXX XXXX in XXXX illinois XXXX. XXXX was the teller that helped me. I filled a withdraw slip for XXXX and requested a XXXX cashiers check. I received my cashiers check and my money in an envelope and continued on with my day. Later on when I was transferring my money from envelope to my safe I realized that it was a total of only {$6300.00} in the envelope. I was shorted {$500.00}. It was too late in the afternoon do I could not return to the branch. On XX/XX/XXXX, I returned to the branch at XXXX XXXX. I was treated horrible and was basically told that it is not their responsibility as it has been 24 hours. I then requested that the cash drawer and money counting machine be audited. I left and then gave bank a call about their findings. The manager got onto the phone and expressed to me that the drawers and money machine were audited and everything appears to be ok on there end. I then asked if the videos could be reviewed because somehow, my money was short. He basically brushed me off, accused me of lieing, and said he will see what he can find, but reminded me that it was the weekend and probably nothing would be done. I know that the money was missing. I do know that it is on the bank because I know where me and the money were after leaving the bank and it is not possible that anyone took it or I misplaced it. So I am currently just out XXXX and was told when it is convenient for him, he would look further into it. If they review the video, or attempt to care, we may be able to find out what went wrong!!!
Product: Debt collection

Loss of job, house, and wages due to COVID- 19, Since then I have been declared XXXX XXXX  XXXX and now I am on a set income from the government and deemed totally XXXX
Product: Debt collection

This account was paid in full now this company still stating that I owe {$210.00} still I also explained I was a victim in identity theft this company has been harassing me for four years I paid them every dollar
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}
Product: Debt collection

I received 2 notices on/around XX/XX/XXXX that were dated XX/XX/XXXX from Midland Credit Management stating I owed 2 debts to them. I contacted MCM via chat today - XX/XX/XXXX - to request validation and verification of the debt and I was told they can not send that information to me and that I should look online at the statements, which only shows an amount and the name of the creditor. Both balances are from XXXX XXXX XXXX, XXXX for {$1800.00} and the other for {$1200.00} and that both were charged off XX/XX/XXXX. There is no other details as for what these are balances are for. I requested from the chat representative, XXXX XXXX, what these charges were for from the original creditor and she stated the letters I received welcoming me to MCM with the balance amount was validation. I told her that I do not believe these are my debts owed and its my right to get this information before they try to legally collect on a debt.
Product: Debt collection

I do not have a contract with AFNI. I am not liable for collection this debt from  XXXX   XXXX   XXXX   XXXX . I am not responsible for this debt.   Desired Outcome/Settlement Desired Settlement : Correction to a credit report DELETE FROM CREDIT REPORT
Product: Debt collection

XX/XX/XXXX-XX/XX/XXXX I closed my account with XXXX. I was tired of at least a weekly outage always some excuse about my location. I turned in my. equipment and paid my last bill. I prorated the days I was without serice, I explained that at the XXXX office in my are when I turned in my equipment. I explained that nicely to the service rep that is should not pay for something I was n't getting. She agreed and after reviewing all my many calls regarding cable outage. I received a bill for the equipment ... I spoke to a supervisor after receiving a couple of bills. The problem was settled as it was their oversite. Never received a bill after that call. XX/XX/XXXX I got a bill from a collection agency 6 years later stating I owed {$400.00}. I called them, shared the story and told them in no uncertain terms I do not owe this and I am NOT paying for a bill I do not owe. I never received another collection notice after that call. Now it has been 7 years and recently did a check of my credit report and noticed this from XXXX showed up on XXXX. It is showing as the debt was from XX/XX/XXXX ... that is wrong. I would like this issue resolved, please. Btw I have been a happy XXXX customer since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I noticed my credit with Experian was completely blank. The other reports remain untouched. Today I went onto my report and saw that I have a XXXX balance and my credit is lower. I attempted to call but the automated system will not move me through to a representative to discuss my concerns to seek clarification reporting that only certain issues connect to a live person and then it hangs up. I Need to know what happened to my credit history as it's completely gone and then I have XXXX item on it that is negatively impacting my credit. I had a fico score. Then it was blank reporting I needed to build credit to obtain XXXX. Now there is XXXX and I am seeking clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting me 30-60 days late because of wrong information. 

The company XXXX stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to XXXX as my bank records show. 

I was then placed on XXXX XX/XX/2020. 

XXXX XXXX XXXX does not reflect the XX/XX/2020 payment. 
What happened to the XX/XX/2020 payment? 

What payment was 30-60 days late? 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I was charged {$50.00} by XXXX XXXX XXXX. I immediately marked the transaction as fraudulent since I have credit card alerts on all my cards and I did not make a {$50.00} transaction recently. I figured the credit card company would resolve everything after. 

Two weeks later, I receive a call asking why I disputed and I said that I did not know where that charge was and that it was fraudulent. 

Three weeks after that, I received ANOTHER {$50.00} charge from XXXX XXXX XXXX 
I called Wells Fargo ( who handles XXXX ), and they said that the {$50.00} charge is from the company who handles my rent but that XXXX automatically removes the charge since their whole business is to use a credit card to handle rent. 
*They said that these charges should be removed and that I should wait* I have waited, and the two transactions totaling {$100.00} are still in my statement and I had to pay them off. 

XXXX has also conveniently WIPED my transaction history, so I am no longer able to see the previous charges. 

In summary, I would like {$100.00} in fraudulent charges back which were not handled on the XXXX side.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying for a re-fi of mortgage. Tried to temporarily lift credit freeze so loan company could verify credit. Equifax was unable to " match '' my personal identifying information either via their automated telephone service or their online system, so I was disconnected. On XX/XX/2020 I finally reached a live person at Equifax who indeed verified that all information did match, but was unsure why their system could not verify. She temporarily lifted the freeze for 5 days as requested and sent me a copy of my credit report. She suggested I send a letter with copies of my SS #, Drivers License and a utility bill to them so that the proper department could investigate to resolve the problem. On XX/XX/XXXX I mailed the letter with all information requested. Today, I called Equifax again to try once again to get the credit freeze lifted temporarily, and again ran into the same problem. Once again I spoke to a live person and was told that the letter I sent 5 weeks ago was never received! I faxed the letter and all backup requested again to them today ( XX/XX/2020 ). As my mortgage company now needs to verify my credit one last time, I asked if they could once again lift the freeze temporarily. He refused, I asked him to speak with his supervisor to see if it could be done again as it had been done before back on XX/XX/XXXX. He asked me to hold so he could check, and then the line was cut off. I had been on the phone for more than one and a half hours at that point. Equifax has been a nightmare to deal with. The call tree hangs up on me, their people are uncooperative and it's obviously their mistake somewhere and they can't seem to get the situation resolved. Meanwhile, I am unable to refinance my mortgage which I need desperately to do. Please help!
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification Under FCRA Dear XXXX, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( XXXX ) : Disputed Item ( XXXX ) : XXXX. Account Name : XXXX Account XXXX : XXXX XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Name : XXXX Account XXXX  XXXX Reason for Dispute : for Inaccuracies in my report which I stated in my previous dispute Under the Credit Reporting Act ( FCRA ), Section XXXX ( a ) ( XXXX ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section XXXX ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. Please provide the specific details on how the investigation was conducted, including : XXXX. The name, address, and telephone number of the person or entity that verified the information. XXXX. The method and sources used for verification. I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Due to this identity theft, several fraudulent accounts and credit inquiries have appeared on my credit report. I am requesting that these accounts and inquiries be blocked and permanently deleted under the provisions of 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
Below is a list of the fraudulent accounts and inquiries that I am disputing and request to be removed : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am rewriting to formally dispute inaccuracies on my credit report to AMERICAN EXPRESS that I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My current address is XXXX XX/XX/XXXX XX/XX/XXXXXXXX, TX XXXX. The FTC report numbers related to this complaint are XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit report, I have identified several entries that appear to be duplicative or otherwise incorrect. These entries have no supporting evidence of authorization or approval from me. I believe these entries may be fraudulent and do not reflect any transactions, accounts, or activities that I initiated. Under the FCRA ( 15 U.S.C. 1681 ) and FACTA Title 1, Section 151, I am entitled to dispute inaccuracies and request that any unverified or incorrect information be removed. I request that you investigate these entries. If they can not be properly verified, they must be removed from my credit file as required by federal and state law. I expect a prompt REINVESTIGATION and resolution of this issue. Should the incorrect entries remain unresolved, I will pursue further legal action to protect my rights under the FCRA and FACTA
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVEXXXX XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information.
Product: Credit reporting or other personal consumer reports

Inoticed unauthorized inquiries on my credit report that I would like removed. '' according to the FCRA, these unverified! 
and unauthorized items must be removed. XXXX XXXX XXXX  date XX/XX/year>, XXXX XXXX bank ( date ) XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from XXXX XXXX and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it as a factoring trade line account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX This Consumer Note is my official call for you to discontinue reporting of the items above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This COFF item is deficient as reported, as above-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the provisions of United States Code, Title 50 Appendix, section 535 of the Service Member Civil Relief Act ( hereinafter SCRA ), you were provided written notice of my intent to terminate my lease for premises at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I received orders to XXXX XXXX XXXX XXXX XXXX XXXX In addition, I received orders for a permanent change of station to XXXX XXXX XXXX. The SCRA states a service member may terminate a residential lease 30 days after the first date of the next rental payment. My next rental payment was due on XX/XX/XXXX ; therefore, the lease was terminated on XX/XX/XXXX. 
Under the SCRA, all unpaid rental amounts for the period preceding the date of termination shall be prorated. The SCRA prohibits any early lease termination charges or penalties. The property was left in great condition with normal wear and tear when I XXXX. As I previously mentioned there were police reports of unknown individuals residing in the premises while I was away and without my knowledge. In compliance with the Florida landlord tenant law and the service members civil relief act please refund any and all amounts held. It shall be returned according to the laws of the laws of the State. If you would like review police reports.
Product: Debt collection

I have tried contacting several times through Mail and CFPB and still nothing is rectified. They state theyve done a full investigation and say it was updated not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting two 120 day late payments on a student loan account, during Cares Act 2020. How can anyone be currently late on a student loan account, when all payments are suspended and interest rates are at 0 %. Originally XXXX had my student loan one payment 120 days late in XXXX. Dropped my credit score almost 140 points, by adding {$1.00} increase in the student loan. Of course I reported them here and disputed it. XXXX then added another late payment and moved the month of both late payments to the month of XX/XX/2020. They are going through loopholes to keep my FICO  score in the low category, despite there being nothing but the false information they are reporting. Clearly they are harassing me and have been since I first reported them here. 

Since they had to remove a collections account per the collection agency ( XXXX XXXX {$670.00} ) itself, but because XXXX  dropped my FICO score to the low 500 's, any removals of this magnitude on my credit report does nothing to raise my credit score. 

How do all 3 credit bureaus get to lower my credit score with false information, remove it once its disputed and proved inaccurate, but leave my FICO score low? Can someone explain that to me?
Product: Checking or savings account

On XX/XX/XXXX, I applied to open a savings account online at Customers Bank. When the application was submitted a notice popped up telling me that I did not qualify for an account at said bank. I called the bank customer service department and they confirmed that my application was declined but were unable to provide information over the telephone. 

The customer service rep informed me that an email would be sent to my email of record which was verified by the customer service rep explaining the reason my application was rejected. At no time was any such email was ever sent. This is the second time in two years that I have tried to open an account with said bank and they have declined my application each time without explaining the reason why or who they used for their verification source or ever sending an email or letter. Customers Bank has committed a F.C.R.A. violation by refusing to notify the customer as to the reason they declined the account application.