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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the following accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX  Balance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXXXXXX Balance Owed : {$11000.00}
Product: Debt collection

The Columbia Debt Recovery group ( I believe d/b/a Genesis Credit Management ) has asserted a fraudulent amount owed and represented the same to various credit reporting companies. Per stipulation filed in a XXXX XXXX XXXX on or around XX/XX/2018, a total of {$2100.00} was agreed to be paid to bring the superfluous eviction case brought against me by XXXX XXXX XXXX XXXX to a resolved conclusion. This was the agreed total cap of the amount owed. XXXX XXXX XXXX, however, failed to credit my account or offset this total due by the last month 's rent that I had paid ( total of {$1000.00} XXXX or the deposit I had made on the unit prior to moving in ( {$300.00} XXXX. This brings the total to {$790.00}. I have indicated from the onset of this disagreement that I stand ready & willing to pay this {$790.00} today. However, Columbia Debt Recovery has inexplicably added {$1400.00} in 'late fees. ' The only reason I am even aware of this added figure is because this is the amount indicated on my credit report ; I have never received an accurate billing or a justification for this late fee. Note also that the stipulation does not indicate any late fees & there is otherwise no agreement for this late fee. Further, any late fee percentage would have been based on the higher figure that does not account for payments made or the proper offsets as indicated above. Columbia asserts that they have not received evidence that the last months ' rent was paid, but that is an incorrect assertion. They received a copy of the uncashed check given to me by XXXX XXXX XXXX as a refusal of my last months ' rent. Because this amount remained in the landlord 's bank account, this is irrefutable evidence that the last months ' rent was paid.
Product: Debt collection

Hi, to whom it may concern. Portfolio Recovery has caused my credit files and scores to be drastically damaged, reduced, and affected by placing a debt that I do not owe and that is not mine. 

Account # XXXX The Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Company : Portfolio Recovery Associates , LLC XXXX. XXXX po box XXXX XXXX, CA XXXX Account # Same as above. 
Reference Number : XXXX XXXX My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX I have never until XXXX of XXXX had a XXXX XXXX Credit Card Account. I was sent an offer and I applied and received a card. However, I this company keeps trying to place this debt on me, as I have explained to them and XXXX XXXX, that this account isn't mine and I have never owned a XXXX XXXX XXXX untill recently XX/XX/XXXX, because I was sent a pre approval offer from XXXX XXXX to which I was approved. 

Back in XXXX I lost my wallet and it was never returned to me. I have explained to Portfolio Recovery that I may have been a victim of identity theft, and that may be why there's an account with XXXX XXXX. Whoever did this, had all of my personal information from my wallet, from my ID, my Social Security Card, My Birthdate, My Address, and other info like Medical cards and Bank Cards. At the time this happened, I was forced to get all new info cards, and change passwords etc. This company was told this information, although whomever opened this account, they had all of my info, I never had an account with XXXX XXXX. They insist that it's mine with no proof that it's mine other than all of my personal info. I have never signed a single document applying for this card, yet this company has repeatedly reported as a collection to all of the major credit bureaus, destroying my credit and making my scores drop unbelievably low, all while I have been trying to buy a new home. I This has affected me directly because this isn't my account, yet they keep reporting that it is even after disputing this a few times with no removal from Portfolio Recovery. I was told by them, that XXXX XXXX Discharged this debt and Portfolio Recovery bought it on XX/XX/XXXX. First XXXX XXXX kept reporting this account that wasn't mine, then Portfolio Recovery started. This isn't right. It's not my account at all. Why do they keep reporting something that's not mine? 

I need to know WHAT MY RIGHTS ARE under the law, and if they have violated my Civil Rights by maliciously continuing to report this account on my credit to the agencies. I live on a fixed income because I am on XXXX. XXXX due to XXXX XXXX. I'm tired of being a victim of people like this, who only care about making a dollar, or profit, even tho'they know this isn't my account. Please help me bring an end to this nightmare as I am trying to buy a home, through a program that helps buyers with XXXX. Thank You. 

XXXX
Product: Credit reporting or other personal consumer reports

I would want to report this hard inquiries that i have no knowledge off, as a result of identity theft and must be removed no longer than4 business days as per US 1681C-2 These are the inquiries, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, XXXX and TransUnion Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : XXXX XXXX Balance Owed : {$11000.00}.
Product: Debt collection

requested validation, not just an itemized bill they provided with wrong hospital name and wrong address, exposing all my personal information a direct violation of HIPPA regulations i never sign a HIPPA form, giving them access to my personal information.an authorization access to any such medical records. the collection company sends a form with a form with consent to be admitted to the hospital with a print not he signature part XXXX verbal consent. any other violation litigation will follow XXXX account is complete violation of the no surprise act delete immediately my privacy has protected under HIPPA laws.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Experian 's credit investigation has taken too long. I sent them the attached letter over thirty days ago, but I have yet to get a response from them.
Product: Debt collection

This Debt was already on my credit record since 2014 and was removed two - three months ago, now they have added it back on. Since it has been more than 6 years for them to collect and was removed previously I do not owe it and it needs to come off my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account with Credit Karma and applied to a credit card through their service. I have pictures stating I had an outstanding chance to be approved. The fine print of said card said it would not hurt my credit score, ( again I took screen shot of that statement ) I applied and received email saying I was approved but then next day another email saying I was denied and asked to apply to their " partners ''. I then received an email from Credit Karma stating my score had changed and it was lower by XXXX points. I have NEVER had a credit card, but wanted to apply for one to better my score.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AVA FINANCE - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

On XX/XX/XXXX I lost my purse and someone stole my bank card, license and XXXX. I called to report this to Wells Fargo that someone went to XXXX and used my debt card. My debt card has XXXX missing and I absolutely need it back. When I called they told me that I cant get my money back because no one used my card since it been stolen and that if they stole it, they would try to use it again. I advise them I went to the gas station and am I not sure where my purse is at. They continue to say its conflicting but I dont no money at all its fraud. Im filling this complaint because they arent trying to help. They denied my fraud claim.
Product: Debt collection

My Identity was stollen since year XXXX. I didn't realize until almost the middle of year XXXX. I wrote letters in XXXX XXXX to the creditors, and I was able to dispute and cleared most of them by phone except one of many from XXXX XXXX ( XXXX XXXX  ) Someone opened a few credit cards for XXXX XXXX using my personal information. My original XXXX XXXX  credit card ending number was XXXX and it was paid off on XX/XX/XXXX. These are the ones that the thief opened in my name for XXXX Ending numbers of accounts for XXXX XXXX # XXXX. was disputed and cleared # XXXX was disputed and cleared # XXXX XXXX XXXX  took me to court, I tried to dispute this by phone but they couldn't verify my identity by phone, so I was served by the court. I have a trial in XXXXXXXX XXXX XXXXXXXX. If you can refer me to someone that can represent me in court that will be great because I don't have the funds to pay. I also filed an identity report # XXXX and also have a letter ( XX/XX/XXXX ) from a XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) saying that I was a victim of financial loss, and they convicted and sentenced the person for this. 
My complained is against XXXX because they refused to verify my identity and they let someone else used and opened new credit cards on my name. I'm XXXX XXXX XXXX and I still have a parttime job because my XXXX  it is not enough to support me. I have been in a lot of stress and this affecting my health. 
Attorney that are in involved in my court case from XXXXXXXX XXXX are, My case # 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: Debt collection

In XXXX I lived at an apartment complex. 
As the lease was ending ; the landlord failed to provide me a notice 60 days from the time my lease was ending as stated in their lease contract. 
They harassed me about their failure to do so and was not able to provide me the notice. 
However, that was not the end of the harassment and discrimination. 
I moved out and placed the keys in the unmarked and hard to facilitate drobox before the next business day started in the am and the landlord added a key fee of XXXX or so bucks. I pleaded that they run the security cameras and they would see the keys were placed in the drop box- before they were in the office next business day. 
I later received a bill from my move -out that was invalid. After months and days and weeks going back and forth with XXXX about the figures ; it was found that XXXX was miscalculating by excess time that I was never in the apartment. 
once I provided the correct calculations - she refused to provide me the remaining balance of my deposit. 
It has been over XXXX XXXX years since the communications. 
However, the XXXX has decided to think it is appropriate to now place the balance that they actually owe me on my credit report XX/XX/XXXX.
Product: Credit card or prepaid card

Nine weeks ago I closed a credit card account with Bank of America.The account number was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. Seven weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. Four weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please request Bank of America to mail a check with the amount that they own me.
Product: Credit card

I have notified the company back in XX/XX/year> of financial hardship and asked to cancel my card. They cancel my card on XX/XX/year> and still charged me the annual fee for a cancel card and monthly maintenance fee. They want do no payment adjustment, just continue to add charges to the account and keeping bill increasing.
Product: Credit card or prepaid card

I applied for a credit card and I was told it was under review. I called the company and was informed by a staff that all I needed was to retake the application and send in a copy of my bank statement and social security card. This was to verify my address and my social. He told me that was all I needed and then I will be approved for XXXX. I submitted the items as he told me. Yet I received a letter saying I was turned down because they could not verify my information. I asked what they could not verify as I had submitted the documents they asked for. I was told they were not COMFORTABLE with my application. I feel this is very discriminatory because I have a XXXX origin. However, I am a US citizen and should be treated fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with XXXX and XXXX on XX/XX/10 and asked how to update my name to my married name. They told me that i have to send my government ID, marriage license and Social Security card via postal mail. 

This puts me at risk of someone getting my information and using it fraudulently. I shouldn't have to expose my self by sending my full social security card, ID with my full name and address and marriage license via mail to have my last name updated.
Product: Student loan

I went to XXXX XXXX from XXXX to XXXX to the XXXX XXXX XXXX program. During that time I was told they the program was accredited and that I would be able be certified. The program never became accertified and I was never able get a job in that field. 

I submitted a Borrowers Defense Claim in XXXX for the XXXX XXXX student loans. It has now been 3 years and the claim is still pending. Because this claim is still pending its affected my credit greatly and its even affected me trying to buy a house. When I called Navient to see my payment options where I was told it would be over {$800.00} a month. There isnt even a chance to consolidate loans for a lower payment due to the ongoing dispute. Due to this dispute, I am not able to move forward or pursue additional resources.
Product: Debt collection

I am writing to dispute the failure to remove fraudulent accounts from my credit report, despite confirmation from the bank over the phone. This non-compliance with the law is concerning. Under the Fair Credit Reporting Act, it is mandatory to promptly remove inaccurate and fraudulent information from credit reports. Yet, these accounts persist, undermining the reliability of the system. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( credit card services ), reporting my account to Experian Credit Bureau as delinquent on XX/XX/2021, when it has " Never '' been delinquent. Also, it is reporting wrong amount owed, thus my credit score went down 7 points because of the inaccurate information reported. The amount in question is {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO Miscellaneous Individual XX/XX/ I am unsure what this credit pull is from. I do not recognize it. Nor do I remember purchasing or requesting the purchase of any credit in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard inquiries have been showing up on my bureau reports without my written authorization. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Information are all companies that I did not authorize to pull a hard inquiry from the credit bureaus. The pre-qualifications were said to be 'soft inquiries '. There were no actual applications authorized. The soft inquiry from XXXX XXXX prequalification for an auto was authorized for Experian ONE time, not 3 times and not to share information or private data with the other two credit bureaus at all. 
I have asked several time for all to be removed to no avail.
Product: Mortgage

I have a mortgage with M & T bank on my home that I have lived in since 2009. We received several marketing letters from M & T bank via XXXX regarding possibly refincing our loan to get a lower interest rate and payment. I called to inquire about this and was told by the loan officer I was working with that I should be able to refinance my loan and save at least XXXX per month depending on what our house appraised for. They took a payment from me of XXXX including XXXX for the appraisal and XXXX for an application fee. They hired an appraiser who came out and did an appraisal that their underwriter " rejected ''. I was never notified that the appraisal was rejected. XXXX said that she called my cell phone XXXX. that is not true there were NO missed calls for VM from her or anyone else that week. She also said that I was mailed a letter, I never received it. I asked about getting any of my money back and was told I could not. They ended up telling me they could not offer to refinance my property. I feel like they just stole XXXX from me by taking an application fee that they never intended to do anything with and XXXX for a worthless appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Adjustment Company Inc. 
address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Company reported a {$440.00} bill to collection even though I never requested their services. XXXX XXXX sheriff called an ambulance and a medic XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX. Since they called the ambulance they should be responsible for the bill. I woke up in the hospital. After being released I received an ambulance bill and contacted the hospital which told me to call the sheriffs office who they said should pay the bill. They refused to pay and after months of going back and forth the XXXX XXXX sheriffs off, the bill was sent to collections which dropped my credit score by XXXX points! There should be a law against for debt collectors trying to collect money from someone that did not request services.
Product: Student loan

Nelnet falsely reporting negative or past due accounts to my credit. Lowering my credit score via multiple loans although one conglomerate
Product: Credit reporting or other personal consumer reports

I received a notification on my XXXX in XX/XX/year> and email I was declined by capital one credit card yet I never applied for anything. I have not applied for any credit card from them at all. Im not sure if this is a mistake or error?
Product: Credit card

Please see the attached documents. I ask the bureau to begin an investigation into these accounts, as I am consistently on time, yet they are inaccurately reporting me as late.
Product: Credit reporting or other personal consumer reports

The bureau has added a fraud alert without my consent.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a contribution to my XXXX  account. This contribution was initiated from my XXXX checking account for the amount of {$220.00}. The money left my XXXX checking account via transfer. The transfer confirmation number is XXXX. As of XX/XX/XXXX, the money is still not in my XXXX account, is withdrawn from my XXXX checking account, and is missing. 

On XX/XX/XXXX, an XXXX representative stated there were no pending incoming transactions from my XXXX checking account. She stated she would do some research and " try '' to call me back by the end of business that day. No call was received. She insinuated no transfer was made, or that I had made an error. 

That same day XXXX opened a non merchant deposit dispute case to investigate the current status of these funds. They confirmed the XXXX  account number and confirmed that the transfer had been completed. The case ID is XXXX. 

On XX/XX/XXXX, I faxed a letter to XXXX and to XXXX detailing the events. 

On XX/XX/XXXX, XXXX confirmed receipt of the fax. That same day I called XXXX again. " XXXX '' stated she would reach out to PNC bank and call me back in XXXX business hours. No call was received. 

On XX/XX/XXXX, I called XXXX a third time. " XXXX '' stated XXXX hadn't heard back from PNC and didn't know when she would hear back because it was a " busy season ''. I asked XXXX to check to see if my fax had been added to my file. She placed me on an extended hold, came back, and said she'd look later and follow up via email. 

XXXX representatives have confirmed the transfer was debited from my account on XX/XX/XXXX and transferred to the correct XXXX account. XXXX has not received my money and has not shown a sense of concern or urgency in resolving this matter. Your assistance is also requested in resolving this matter.