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

Superior FCU should not be reporting to XXXX  ; Experian and XXXX  a collection/chargeoff in the amount of {$570.00} on the SUPERIOR FCU partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was paid off by the insurance company and should not be reporting as a collection/chargeoff. I have attached a copy of the payment history and any outstanding balance that was due was paid by the insurance company. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus as well as Superior FCU to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have now gotten XXXX text messages from JEFFERSON CAPITAL SYSTEMS LLC saying that I have an outstanding balance of {$2200.00} for a XXXX XXXX XXXX XXXXXXXX XXXX account. I formerly had a XXXX account in 2022, but had no unpaid bills. I contacted XXXX today and they confirmed that I have no account balance. 
The date of the first text was XXXX, the second XXXX, the third was XXXX. I checked my credit report on XXXX and have no collections notice there.
Product: Prepaid card

I have tried this AMEX XXXX at multiple locations and they have been declined. They say accepted anywhere AMEX is accepted but that is not true. 

I tried to call and I can not get on the phone with a person at AMEX. No option seems to exist.
Product: Debt collection

I have a collection account on my credit report from XXXX XXXX   XXXX XXXX, XXXX. 
Please be advised that I'm disputing this collection due to the fact I have no contract with them and Portfolio Recovery does not have a valid license to collect debt in the State of North Carolina according to North Carolina financial regulations. I am requesting that you delete this account from my credit reports or provide me physical proof that they are licensed to collect debt in North Carolina
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my XXXX  XXXX account ( Account # : XXXX ) on my credit file maintained by Equifax XXXX These inaccuracies misrepresent my payment history and creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Nature of the Complaint Inaccurate Reporting : Equifax : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
The account is reported as current, with consistent payments on time except for these erroneous late payment records. Additionally, I have been enrolled in autopay, ensuring no late payments occur. 
Discrepancies in Account Information : High Balance : XXXX and XXXX report {$380.00}, while Equifax lists {$0.00}. 
Last Verified Date : XXXX lists XX/XX/XXXX, while XXXX and Equifax have no data for this field. 
Date of Last Activity : XXXX and Equifax list XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
XXXX XXXX : XXXX, XXXX, and Equifax consistently show {$78.00} ; however, the late payment records contradict this.

Violation of the FCRA ( 15 U.S.C. 1681 ) : Section 1681e ( b ) : Failure to ensure maximum accuracy of consumer reports.

Section 1681i : Failure to conduct a proper investigation when disputes were previously raised.

Section 1681s-2 : Reporting inaccurate or incomplete account data.

Potential Violation of FDCPA ( 15 U.S.C. 1692e ) : The inaccurate reporting of late payments may constitute false representation of the character or legal status of my account.

Truth in Lending Act ( TILA ) : Inaccurate reporting practices fail to meet the standards of transparent and accurate credit disclosures. 
Requested Resolution I request that Equifax : Conduct a thorough investigation of the XXXX  XXXX account inaccuracies. 
Remove all erroneous late payments ( Equifax : XX/XX/XXXX and XX/XX/XXXX ; XXXX and XXXX : XX/XX/XXXX and XX/XX/XXXX ) from my credit file. 
Update all other account details to ensure maximum accuracy, including high balance, activity dates, and payment history. 
Compliance Reminder Pursuant to 15 U.S.C. 1681n and 1681o, failure to correct these inaccuracies within the statutory 30-day window may result in civil liability, including damages, attorney fees, and punitive measures. 
I look forward to your response within the legally mandated time frame. Please provide written confirmation once the corrections are made. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am wri ng to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documenta on you may request from me in rela on to this dispute.

Upon reviewing my credit report, I have iden fied the following unauthorized inquiries : Company name Date of inquiryI did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you inves gate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Repor ng Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit repor ng agencies must conduct a reasonable XXXX XXXX  on upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for XXXX XXXX  XXXX  my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough XXXX XXXX on into the unauthorized inquiries without requiring any XXXX XXXX reports from me. Failure to do so may result in further ac on on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as s pulated by the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Equifax dispute department now the week before I contacted XXXX dispute department and pointed the problem out and the United States Department of Education student loan acct was removed. As I spoke with the lady and told her the acct one is being reported on when the government suspended all student loan activity due to Covid last year. This actual acct hasn't had any activity since XXXXwhich is ten years ago and should be removed which it was from XXXX but, Equifax will not put forth the proper due diligence in the matter. I continuously am given the run around. The information isn't accurate at all.
Product: Debt collection

RMS XXXX XXXX, Oh XXXX has been sending me over XXXX bills for services done and paid for by my son at his home at on XX/XX/XXXX Work was preformed by XXXX order number XXXX It was paid for on the same date on his XXXX card ending in account number XXXX ; Paid in FULL for the amount of {$89.00}. 

On XX/XX/XXXX they acknowledged in writing via email the debt was paid and stated case would be closed. See Below Date : XX/XX/XXXX at XXXX PM MST To : " XXXX XXXX Subject : RE : claim No : XXXX Ref No : XXXX Dear XXXX This is to acknowledge the receipt of your email. Please be advised that we have closed the account in our office today, XX/XX/XXXX, and you will no longer receive any collection activities from us towards the account. We would also like to inform you that we do not report these claims to the Credit Bureaus. 

We regret the inconvenience this may have caused you. Please let us know if you have any questions. 

Thank you. 

XXXX RMS XXXX XXXX XXXX On XXXX they sent me another collection notice for the debt again. I consider this Harassment and they need to stop trying to collect a debt That was for my son but also paid in full. 



XXXX
Product: Credit card

On XXXX I made a purchase on XXXX for XXXX. The item was not as described seller provided return label to return the item for a refund. The charge was split between XXXX citi cards one charge for XXXX and the other XXXX XXXX has refunded the XXXX but not the XXXX. Merchant has accepted blame and has told me many times full refund issued but I never received the full amount. The merchant has already been paid by a claim with XXXX XXXX they did and citi card. I have sent all documents to citi such as a letter of explanation, receipts, invoices, emails stating refund, chats stating refund, XXXX XXXX letter stating they already paid the other party. The merchant has been paid twice. Citi is not helping they keep lying giving me excuses that case will be reopen but nothing happens. I was told by one agent at citi by the name of XXXX that they had made a mistake when they opened the dispute but that is not my fault. Please help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX, Equifax and XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Medical XXXX
Product: Mortgage

Hello, my issue is with XXXX companies that are under XXXX umbrella, Loancare a Division of XXXX, and XXXX. I submitted a complaint to The XXXX but it was later suggested that I submit XXXX to Loancare as well. My problem started in XX/XX/XXXX when I missed a payment. I paid in XX/XX/XXXX and then I quit paying all together in XX/XX/XXXX. I do n't have the exact dates of everything with me, but I submitted it all to the XXXX. I quit paying not because I did n't have the money, but because my XXXX and I was unable to make clear decisions on my own. In XX/XX/XXXX all of the past due balance was in my bank account, and I received a letter stating that I needed to call and make arrangements to pay the balance or my loan would go into foreclosure. I called within a week of receiving that letter and they told me that it had already gone into pre-foreclosure and that I had to wait for someone to contact me. We were then instructed that we should resume the payments as normal, but we had to physically send a check into the office, and we agreed to a Loan Modification. Everything was to remain " as is '' until I got the paperwork, and got it sent back, and then everything that was " late '' was supposed to be removed and fixed. We then started paying the payment out of my husbands account, and from XX/XX/XXXX until we sold the house XX/XX/XXXX there was never a payment missed. Loancare and XXXX are also both reporting at the same time during overlapping months which makes it look like I had two mortgage 's at the time. I also want to say that we went to buy a house through the VA in XX/XX/XXXX, and they were only reporting late payments through XX/XX/XXXX, so we were told to wait until XX/XX/XXXX so we had a year reported with no missed payments, and when we went back in XX/XX/XXXX they were then reporting the foreclosure. This only happened when I sent in my bank account history to show that I was making payments on time from the XX/XX/XXXX through the end of the loan. Either way what they are reporting as a Foreclosure was A loan modification and it should not be reported as foreclosure because no paperwork was filed with the court.
Product: Credit card or prepaid card

the problem is with Kohl 's credit card online payment system. on the payment page, you input your payment amount, bank information and pay date, then click " submit ''. a screen then appears that says in big bold letters at the top " Online Payment Confirmation ''. Now, on every other site I use to make payments online, that is only found on pages that are confirming my payment but with Kohls, that is NOT the case. their page labeled as payment confirmation is usually labeled elsewhere as " confirm your payment '' or something to that effect. so, if you are not paying close attention, you think you have paid, then are surprised when your next bill appears with no payment and a late fee! not to mention the mark on your credit report - which is the worst aspect. I have complained to them and written them, but they have made no changes to their site.

I can't imagine how many people are being charged late fees because of this and having their credit history negatively affected. they should not be able to call this page " payment confirmation '' if it is not a payment confirmation!
Product: Checking or savings account

I've dispute transaction and no provisional credit haven't came to my today is the 10th day
Product: Debt collection

I GOT A CALL SAYING I OWED XXXX BY A DEBT COLLECT EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a dispute was initiated with Experian Credit reporting agency and XXXX CRA regarding a collection that appeared on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I explained to the representative that I have been a victim of identity theft. This company excessively reports to the agency over 4 times within the past 15 days. The information reported has not been accuarately verified by Experian. On XXXX XXXX XXXX, I spoke with Representative XXXX from Experian, she is unable to provide the details of who from XXXX XXXX XXXX XXXX verified the account represented. I was not provided with the full name or spelling, address on the account. She states " we '' Experian send the information that is on the credit report electronically, and the company responds back regarding accuracy, electronically. I asked to speak with a manager, XXXX said " that is not going to happen. ". I believe the account is being reported inaccurately and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) 11 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX  XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!
Product: Vehicle loan or lease

I had my van loan financed with ALLY Financial with an ACH debit from my credit Union. My last van payment in the amount of {$360.00} ( after 7 years of financing it ) was made on XX/XX/2018 with a balance of {$14.00} left to pay, which I attempted to pay over the phone twice and online twice. ALLY rejected these payments. 
On XX/XX/2018 ALLY drafted another van payment in the amount of {$360.00}. 
I called and emailed them from their website numerous times. After 3 weeks they reimbursed me the amount of {$350.00} and subtracted the amount of {$14.00} from the {$360.00} they drafted from my account on XX/XX/2018. I received the title to my van at the beginning of XX/XX/2018. 
I checked my bank account on line on XX/XX/XXXX and saw that ALLY took out another automatic ACH in the amount of {$360.00}. I called and emailed them from their website on XX/XX/XXXX. The representative stated that the payments made to them did not show up on their end or on my account.They requested that I fax them my bank statement proving they they took the money out. Friday XX/XX/XXXX I sent them an email from their website and attaching my bank statement and a email to them. On Saturday XX/XX/XXXX I went to my bank and they faxed the bank statement which showed tht they drafted {$360.00} from my account. I checked my account with ALLY on line and it does not show that they took the extra van payments out, but my bank statemnet and balance shows they did. The bank told me that since the ACH agreement was between me and ALLY they ha to close it out.Otherwise I can pay the bank XXXX to unauthorize the draft. But, why should I have to do that? Don't these people communicate with each other? Who else have they donre this to?
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report with XXXX, XXXX, and Equifax that do not belong to me.
Product: Checking or savings account

I have several checking accounts that were opened fraudulently without my consent or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Received my Letter XXXX/XXXX/2017 which contained an FTC Fraud Affidavit of the adverse actions on my credit file. they have yet to delete the Address on my file as they say it is mine and they are stern and stiff at removing this incorrect address. the address in question is '' XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX '' .My Address has always been XXXX XXXX XXXX XXXX , Wa XXXX. If Experian still deliberately fails to honor my disputing of this incorrect data on my file, they will leave me no other choice than for me to contact my Consumer Protection Attorney and file suit for negligent non-compliance and Grievous VIOLATIONS OF FCRA reporting of inaccurate information!
Product: Checking or savings account

Bank of America is inaccurately furnishing information regarding account ending in XXXX to XXXX XXXX XXXX, in violation of the reporting requirements of the FCRA 623, and for which, they are responsible. 

Ive disputed this negative listing on multiple occasions and requested evidentiary documentation that substantiates the information they have furnished and its reporting. Bank of America has either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy of the item. The negative listing remains inaccurate and not verified.
Product: Vehicle loan or lease

On XX/XX/XXXX, I called Condor Securitization Trust ( formerly known as Condor Capital Corp ) to request a Paid in Full Letter. First the representative said my account was bought by XXXX and to call them. I immediately called XXXX which advised me that they did n't have my account. They looked me up by my SS # and Phone # and no luck. I called back to Condor and then i was told they had to request the Paid in Full Letter which will take 24-48 hours to receive. On XX/XX/XXXX, I called Condor again and this time I had Condor and XXXX on the phone. XXXX, again told me they do n't have my file. XXXX hung up and I was alone on the phone with XXXX ( Condor Representative ) which he told me the account was written off XXXX for XXXX cent and they received my last payment in XX/XX/XXXX. I beginning to explain to him that you only write off an account when the person who owes you money is not going to pay. I mentioned to him I paid the account in full and your company sent me an refund check so why would you write if off. I asked for a manager but then he put me on with a supervisor name XXXX XXXX. I went over the same conversation i had with the other XXXX. XXXX XXXX, said the Manager was in a meeting and that he will get back to me in 24-48 hours. XXXX XXXX also explain to me there 's nothing they can do since the file was sent to XXXX in XXXX. I told him why would a file be sent over to XXXX in XXXX a year after i paid it off. He said his system ca n't pull a transaction history or give me a Paid in Full letter since they do n't have the file anymore. I explained to him I 'm so confused because clearly I made all my payments and you guys are pulling a scam. He said i 'll send your file to upper Management and they will call you 24-48 hours. I called DMV which told me the title still had a lein on it. On XX/XX/XXXX, I called again to speak to a Manager and no luck again. I did speak with another representative which told me my account had a XXXX cent balance but it was waived but a Manager will call me in 24-48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$3100.00}, XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Capital One closed my account due to a deposit of a XXXX loan I received. The account was froze and then closed. I had a balance of over {$14000.00} dollars. {$7400.00} was returned to XXXX XXXX XXXX. Where is my remaining money that was in my account. There were funds in my account that were exempt, annuities and unemployment funds. No balance of funds have been returned to me. Where is my money? I need a response. No one answers or return phone calls to the number thats given XXXX XXXX ext XXXX. XXXX XXXX