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

I had an account with XXXX? XXXX. The first year I used the account and paid accordingly with no issues. I fell behind and spoke with one of their account retention reps and they agreed that if I paid the next XXXX installments on time they would erase the late payments reporting on my credit. In addition to this they agreed to remove the late charges and penalties from the acct, the account representative told me that I would receive a copy of the agreement in the mail, but never did. Once I complied with my end of the deal, XXXX refused and denied that they made this agreement with me. 

We had an agreement to delete the penalties and fees which were extreme and they did not hold up their end of the bargin. At that point i stopped paying the bill and they sold the account to a collection agency, and the bill itself was wrong. 

Once I made contact with the collection agency, they removed the derogatory collection from all three bureaus and shortly thereafter, XXXX reinserted the information!!! 

And now my credit has taken a dive!
Product: Checking or savings account

On XX/XX/XXXX, I filed my XXXX Tax Return with a wrong Bank Account Number, included mistakenly by the Tax professional ( I gave her a check to get my bank account information ). I did not realize the mistake while signing. The refund amount is {$6500.00} USD ( XXXX XXXX XXXX XXXX XXXX Dollars ). 

On XX/XX/XXXX. IRS sent a direct deposit under my name with a wrong account number, Chase Bank made the deposit without consider the client name. IRS sent XXXX Notice to detail the bank account information. In this notice IRS asked me to contact Chase Bank ACH Department, who referred me to the Original Branch to ask the Manager to help to contact the owner of the account which received the deposit. The Manager XXXX XXXX XXXX did not accept to help me. 

I started to talk to IRS and the XXXX Chase Bank at least four times, trying to get their help or advise, but the Manager XXXX never did anything. 

On XX/XX/XXXX, I called back Chase Bank-ACH Department again, after I explained the whole situation to XXXX-Agent, he said that they could help me to get back my money if the wrong account belonged to a client from another bank but they can not help me because the account belongs to a Chase Bank Client. Once again XXXX-Agent asked me to go to the Branch 's Manager and ask for help to contact the person who received my money. I went back to the Branch Manager, to get the same response, NO. 

On XX/XX/XXXX. I sent a letter to IRS Tax Advocate Office who asked to go back to my tax professional or Bank to solve this because is their responsibility. On XX/XX/XXXX, I also sent a letter to XXXX XXXX from XXXX XXXXXXXX XXXX XXXX  who is the tax professional who did my taxes, but she could not help me neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - date of reports:XX/XX/XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- I have sued them in small claims court for an outstanding balance that they state I owed. I proved that I did n't owe the money incourt, but still be harassed by there company and a collections agency-ics systems and is impacting my credit as it keep coming back onto credit report and still contacting me violating court order.
Product: Mortgage

My loan was under bankruptcy until XX/XX/XXXX. Fay was paid at 100 % through the bankruptcy- those were the arrears. I never stopped making my own payments through my bank- automated. My bank sent a check to them every month. Fay sent me a payment ledger showing my payment dates and the payments received BUT their 24 month payment ledger does not match up and thus they reported me late from XX/XX/XXXX ( XXXX payment ) through XX/XX/XXXX. I have NEVER been late while in bankruptcy and the arrears of {$16000.00} was paid out at 100 % per the bankruptcy court. I have been contacting Fay for the last 3 weeks and have consistently been met with inconsistent reasons for the error and mismatch of information. I have also provided them with the documentation they provided me because they claim to no longer has access to the records since the account has been paid off. I am under contract on another property and their lack of attention to resolve this issue is costing me. They have violated FCRA laws and even federal laws if you dig deep enough. I have payment history and their documentation to show that the reporting is erroneous- but they are taking their time, if they are even doing that, to resolve the issue. The US Trustee has also confirmed the payment dates and amounts that Fay doesnt match up to either. If the past due amount was paid out at 100 % and we never stopped making payments once in the bankruptcy, how in the world do I come out of a bankruptcy past due??? They told me they applied one of my payments to escrow- once I told them they couldnt do that, they backtracked and said they didnt. They would research and get back to me XXXX XXXX has yet to respond to me.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, A victim of Identity theft, request removal and deletion of the listed account name on my Transunion credit report.The following company name on my transunion credit report is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX
Product: Bank account or service

Today I had a fraudulent charge on my PayPal account. As soon as I got the email from Paypal stating that a transaction was pending, and I knew it was a transaction that I did not charge, I looked at my account on my mobile phone, looked up the phone number for PayPal, and got the run around with their messaging prompts. None of which had anything to do with reporting a fradulent charge. I then logged into my paypal account on my computer and I got a screen saying that someone has logged into my account using a device that was n't mine and was from a different country. All they asked me to do was change my password. They never asked if I should review any recent transactions made. I never received any communication about this device being logged into my account. 
I then read the directions of how to dispute a fraudulent charge which told me to do that in the resolution center. After going to the resolution center, it would n't let me dispute the charge. I then went to send an email through the contact page about the fraudulent charge but it would n't let me send - my email was too long to send but it never said that, it just said something was wrong. I ended up calling my bank and putting a stop on my account for this charge - costing me {$33.00}. I went back to send an email with a XXXX sentence statement to paypal ( even though they say to make it as detailed as possible ) and it went through ( from the contact page ). 
It took me XXXX to dispute the charges through Paypal. It took me 5 minutes to call my bank and put a stop on the transaction.
Product: Checking or savings account

I have an account with PNC Bank. I have been trying to link my debit card to my XXXX account so XXXX XXXX can be deposited into XXXX XXXX but PNc has blocked this ability. I want to be able to link my card to XXXX ( through XXXX ). Ive tried to discuss this with PNC and they wont permit it.
Product: Debt collection

This company has called me on multiple occasions and every time I answer it is nothing but problems. They told me I " better go ahead and pay it before they start calling my employer ''. XXXX XXXX told me he was in process of " clicking the button right now '' if I don't pay it. Later when I spoke with someone else they said my account was safe until the end of the month so XXXX was just manipulating me. They have spoken to me about my account multiple times without verifying me or reading me a mini XXXX. There are several other things that have happened but I'm sure if you listened to the recorded calls you would see a million red flags. One person told me " the law requires him to report this to my credit '' We have had multiple phone calls.
Product: Credit reporting or other personal consumer reports

This vehicle on account was a total loss in XX/XX/scrub>XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. Credit acceptance has been reporting negative on my credit report since XX/XX/scrub>XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is plenty of incorrect information on my credit report such as misspelling of my name and addresses i am not associated to. 
The name associated XXXX XXXX XXXX is incorrect. 
The name associated 'XXXX XXXX is incorrect. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Credit card or prepaid card

I normally receive my direct deposit on Monday mornings since it is supposed to be posted on my account by Sunday night ( sometimes it will post on Sunday sometimes it will post Monday morning ). However, lately my direct deposit has been posting late Monday night and this particular pay period of : XX/XX/18-XX/XX/18 I have not received my direct deposit at all. Ive called Netspend customer care dept. and theyve continued to give me different time periods of when my direct deposit will be posted but I have yet to receive it. I have a car note that was due yesterday and if not paid by today : XX/XX/18, I will be forced to turn my car in which puts a strain on my transportation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX XXXX BANK ACCOUNT # XXXX This creditor is reporting this account that has had a XXXX balance for many months. 
Show as 30 days late for the month of, XX/XX/year>. 

I am requesting that this creditor update my credit file with all XXXX credit reporting agencies to payed as agreed and never late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquiries I never authorized. I've disputed with the bureaus on several occasions and they refuse to assist me with getting them removed. The accounts are as follows XXXX XXXX XXXX   XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX None of these were done by me or with my consent. I haven't shopped for a car or credit with any of these companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN. XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Subject : Formal Dispute of Incorrect Credit Report Entry ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX : XXXX ACCOUNT : XXXX XXXX # : XXXX To XXXX It XXXX Concern : I am writing to follow up on my previous disputes regarding the account listed above, which continues to be reported inaccurately on my credit report. Despite my initial disputes on XX/XX/XXXX and subsequent follow-up on XX/XX/XXXX, the reported information remains incorrect. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. After reviewing my records and the responses provided, I remain unconvinced that adequate steps have been taken to verify the accuracy of this account. 

Specifically, I am disputing the following inaccuracies : PAYMENT HISTORY Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not be due to it charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 
Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. Due to this apparent oversight, I insist on the immediate removal or " XXXX '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 
XXXX XXXX XXXX, I HAVE NEVER HAD ANY CONTRACT WITH THE COMPANY. I HAVE SEEN SEVERAL CHANGES MADE ON MY REPORT REGARDING THIS COMPANY. ACCOUNT WAS ONCE REMOVED AND NOW REAAPEARED. YOUR COMPANY IS NOT DOING ITS DUE DELIGENCE AND I WILL SEEK LEGAL ACTIONS AGAINST YOUR COMPANY. 
XXXX HAS BEEN DELETED FROM MY XXXX THEREFORE YOUR COMPANY SHOULD HAVE REMOVED THIS FROM MY REPORT. SEVERAL CHANGES HAS BEEN MADE ON MY REPORT REGARDING ACCOUNT. I HAVE NO CONTRACT WITH THIS COMPANY AND HAS BEEN REPORTING WRONG INFORMATION SINCE XXXX. I WILL SEEK LEGAL ACTIONS IF THE ACCOUNT IS NOT REMOVED. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

Several years ago when I was visiting XXXX I became quite XXXX. The doctor said my XXXX  was XXXX XXXX and I should go get an XXXX from the hospital. I went to XXXX. Emergency doctor said he would check if my supplemental policy would pay so I could get a XXXX XXXX overnight. Otherwise, it would burn my arm. He came back and said yes, it was authorized. I spent the night and paid my copay the next morning. Weeks later the hospital called and said my insurance had declined it after all. I owed XXXX usd for the night besides the {$600.00}. I had paid. I said I would have never stayed there and offered half. They refused. Sent it to a collection company warning that it would mess up my excellent credit, at the time. Please help. Totally unfair in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The Items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/202XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am filing this complaint regarding an account being reported by [ Debt Collectors Name ] on my credit report. I am disputing the validity of this debt and requesting verification under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 

The details of the account are as follows : Creditor : [ Original Creditor 's Name, e.g., XXXX XXXX ] Account Number : [ Last XXXX digits of account number, if known ] Amount Reported : $ [ Amount ] I kindly request the following : Proof that you have the right to collect this debt ( assignment or purchase agreement ). 
A copy of the original contract or agreement signed by me with [ Original Creditors Name ]. 
An itemized statement of the debt, including the date of default and the breakdown of charges. 
Verification of compliance with applicable state laws, including the statute of limitations, as I currently reside in XXXX, but the original service was provided in XXXX XXXX 
If you are unable to provide the requested information, I ask that the account be removed from my credit report and collection efforts cease. 

Thank you for your attention to this matter. Please respond in writing through the CFPB portal or at my preferred mailing/email address.
Product: Credit reporting or other personal consumer reports

Citicard indicates that I inexplicably made a payment to a credit account ( XXXX ) that was already closed with a balance of {$6000.00} as of XX/XX/XXXX. This closed account has generated a 1099-c in XXXX, which I have only recently noticed. No payment was ever made in XXXX. There is no proof of any such payment being made by me. Citicard also reported different dates for this non-existent payment to XXXX, XXXX and XXXX. Please correct each error and delete the purported XXXX payment that is listed on my credit report for account XXXX.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
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 Listed below are the Accounts that are being challenged XXXX XXXX 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, credit repair services, or other personal consumer reports

I disputed credit inquiries in writing on all XXXX bureaus and was denied any help.
Product: Credit card or prepaid card

On XXXX. 2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Experian. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Experian credit report. 
Upon discovering this fraudulent account, I contacted the associated company, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. 

I am perplexed as to why this fraudulent account continues to be reported by Experian despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 

I hereby request that you conduct a thorough investigation into this matter and immediately remove this fraudulent account from my Experian credit report. The company has acknowledged the fraudulent nature of this account, and its continued presence on my credit report is unwarranted and damaging to my creditworthiness. 
XXXX XXXX.