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

XXXX and Transunion are reporting 30 days past due on the XXXX XXXX partial account number XXXXXXXX-XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Product: Debt collection

California Business Bureau - {$570.00} this is for a medical debt when we lived in the XXXX CA area. We moved to XXXX in XXXX of XXXX and this collection is dated for after that ( XX/XX/XXXX ) so I believe the date had been moved forward. I have no record of owing this. FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give anyone employed at your company permission nor my information to look at my personal property and add an inquiry on my credit.
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me, and I have no association with the creditors mentioned.
Product: Credit card

I purchased a mattress at Macy 's who told me they would give me {$100.00} off the price if I opened a credit card. At purchase XXXX of Macy 's told me he could n't take the {$100.00} off at the register. My bill came, but not with the {$100.00} discount. Over the phone I paid for the mattress in full, less the {$100.00}. This payment was handled by XXXX of Macy 's. XXXX assured me all was fine. That took 45 minutes. 
Two weeks later I called Macy 's to check to see that my balance was {$0.00}. No, there was a {$100.00} balance on the account. I called XXXX of Macy 's who told me that he would make the adjustment. That took XXXX minutes. He told me that he would have a letter mailed to me showing a zero balance. 
About a week after that I contacted Macy 's to check my balance ; computer voice said {$0.00} balance, and I pressed the button to have a letter mailed verifying the amountToday a receive another bill from Macy 's showing a balance of {$100.00} -- the {$100.00} plus interest. I called Macy 's, spoke with XXXX and supervisor XXXX who tell me that I owe {$99.00} because someone adjusted the {$2.00} off the bill. Their math is {$100.00} + {$2.00} interest - {$2.00} in adj = {$99.00}. XXXX told me that computer would not let him take off the amount, but he assured me that he would keep trying, and would call me Mon-, Tues-, or Wednesday to confirm that all was taken care of. I have NO faith that this can be accomplished. Can someone please help me? I have superb credit and I envision Macy 's showing a late payment because of their incompetence!
Product: Credit reporting

I have a twin sister, same date of birth, first name begins with the same letter, and social security # is different by only one digit. I have pulled my own credit report in the past and never had any problems. Now that I am trying to apply for a credit card, the company has pulled my credit report. It shows my social security # but it lists my sister 's name and all of her debts and her credit score. My credit is much better than hers and I would never qualify for a credit card with it showing her debts on my file. How can I go about correcting this and why would this happen in the first place?
Product: Vehicle loan or lease

Spoke to someone on XX/XX/year> about my car loan. They gave me 30 days to make the payments before repossession. I was in the hospital dealing with a XXXX and was unable to communicate or call. Today the car was repossessed and now the car loan company will not take any payments. They are refusing my payments and will not release the car. I have offered to pay XXXX right now and they refused the money which is not allowing me to get the car
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00}.
Product: Credit reporting

Applied bank knows that my info was stolen and now does not know who owns my debt and will not take it off my credit report. I was told several times that someone would call me back but no one called. Everyday my credit is not being fixed me and my family suffer with bad credit. Please help they do n't even have my name in there system. But there name is the only one to contact about the debt.
Product: Debt collection

Portfolio Recovery Associates is calling and mailing letters regarding debt that has inaccurate balances. I 've made several attempts to settle these accounts with them, but they are attempting to force me to pay money that is not owed.
Product: Credit reporting or other personal consumer reports

Due to a domestic violence situation in XX/XX/2021 I was unable to pay my bill on time. My finances were compromised by another individual who I was intimately involved with. The police had gotten involved and were able to retrieve my finances. Due to me not being in control Id like for the late payment of XX/XX/2021 to be removed from my credit report as it has negatively impacted my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i XXXXXXXX XXXX XXXX call the credit company experian and spoke with 3 agents there. I explain my situation. Asked the first agent is he familiar with the provicey laws and he stated yes.i then asked did he know that it is illegal to sell, submit information that inaccurate the agent XXXX stated yes so I ask why did your company sell my information, submit inaccurate information that we can both see which is open dates and closed dates that don't match 23 different ssi numbers on my account address that experian want allow me to take off when is clearly shows its wrong! ..please request their records of our conversation and you will clearly here the agent XXXX state that they don't erase anything off accounts if the company that reported is a good source also they can sell information to other companies. Agent over talked me and told me lies hung up on me another agent clearly in the recording that he see the wrong thats done, I asked that he submit a complaint, he did but .but tried to make the complaint out as someone was using my account fraud and that wasn't the case it was experian that was doing the above mentioned also not I put in a complaint, and they telling me that I don't get a complaint ref # so how would I follow up???? if u can request the complaint I submitted yesterday XX/XX/2022 I've called fussed asked for proof, and received nothing.i was also told to not call experian cause they can't do nothing its not there problem call vendors .wow this is how I get treated by trying to fix my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Wells Fargo Bank credit card account is not 30 days past due. I made a payment on XX/XX/year>. This account needs to be updated to reflect that a payment was received within 30 days of the XX/XX/year> payment and the status is current. Attached is a screenshot of my online account, which shows my payment in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.

These inaccuracies are highly injurious to my credit rating. XXXX XXXX XXXX XXXXXXXX - The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. XXXX XXXX XX/XX/year>, - The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXX XXXX XX/XX/year>- The following inquiry was not authorized and should not be reporting. XXXX XXXXXXXX XXXX XXXX The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXX XX/XX/year>- The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXX - The following inquiry was not authorized and should not be reporting. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting

I sent XXXX certified letters in reference to XXXX XXXX and XXXX accounts to remove the verbiage that I disagree with dispute. I said I DO NOT DISAGREE, so there is n't anything to resolve!!! Today they were both added back, why???. 
XXXX - " Dispute resolved ; customer disagrees '' XXXX XXXX - " Dispute resolved ; reported by grantor ''
Product: Debt collection

I am being taken to collections for a service I never requested. I never received a bill, a late payment, any notifications of anything due, nor did i ever receive a phone call or notice of payment from the collector.
Product: Bank account or service

I opened a basic checking and saving account with Wells Fargo. I was told I would have no fees. After several months I noticed I was being charged a $ XXXX monthly fee from my savings. When I disputed these charges I was told I needed to make a minimum balance or minimum transactions which I was not informed of when I opened the account. They refused to refund the fees.
Product: Debt collection

I received notice from my former employer XXXX XXXX XXXX that they had overpaid me and were sending me to collections. I did not understand how they determined there was an overpayment nor how they calculated it. I requested additional information but instead my file was escalated to a debt collection law firm. I received a demand letter from McCarthy, Burgess & Wolff on XX/XX/XXXX. The letter included an email address I could use to respond. I immediately emailed the address requesting validation of the debt and requesting that they cease and desist all future communication by phone. Over a month went by and I did not receive any response so I sent a follow up email on XX/XX/XXXX. On XX/XX/XXXX I received a response which included an XXXX sheet with my pay rate. This left me with more questions than answers as I compared it to my paychecks. At XXXX on XX/XX/XXXX I received a missed call and voicemail from XXXX XXXX at McCarthy , Burgess & Wolff . When I got home I had another missed call and voicemail on my home phone. I had requested in both emails not to be contacted by phone which is my right under the FDCPA.
Product: Credit card or prepaid card

Chase closed my account with out warning..been struggling to pay but have been making min payments each month ... as my credit score decreased they increased my percent interest and lowered my credit limit
Product: Debt collection

As a XX/XX/XXXXXXXX individual, I have been relentlessly harassed by Portfolio Recovery Associates , LLC, whose fraudulent and illegal actions have severely damaged my financial, emotional, psychological, and physical well-being. Despite providing irrefutable evidence that the debts they are pursuing resulted from identity theft, including police reports, fraud alerts, and a frozen credit file, Portfolio Recovery Associates , LLC has continued to ignore this evidence and pursue baseless claims. Their aggressive debt collection tactics, has caused my credit score to plummet from XXXX in XXXX ofXX/XX/XXXX to the XXXX, leaving me financially vulnerable and unable to access essential financial services such as better rates on services. 
The constant stress of defending myself against these fraudulent claims has only worsened my XXXX and deteriorated my mental and physical health. The emotional toll of this harassment is profound, as their repeated disregard for my rights has left me in a state of emotional and financial devastation. The burden of trying to protect myself from this ongoing assault is overwhelming, and I fear for other vulnerable individuals who may not have the resources or capacity to defend themselves as I have attempted to do. I can not endure this any longer without immediate intervention. These vile baseless attacks have gone on long enough!

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate Portfolio Recovery Associates, LLCs unlawful practices, cease all collection efforts, and hold them accountable for their blatant disregard for federal, constitutional, and state laws. The extent of the harm they have caused, both to me and to other vulnerable consumers, justifies the need for swift and decisive action. I can not afford it nor can I tolerate much more undue stress than these predatory debt collectors have already caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is updating my outdated credit report from 2003. This account has passed its time from reporting and they will not remove it. The balance is on XXXX and its been over 14 year but it continues to update and report as active. I need someone to look at this and verify it doesn't violate my right.
Product: Debt collection

RESUBMISSION : I reached out to IQ Data XX/XX/XXXX and I never received anything back from them. I am seeing that they received my letter and instead of replying back with information on this alleged account they have " increased the balance '' of the account. I have uploaded the green slip that shows that I mailed off a letter to request validation and again nothing was received except for these notifications that the balance that the account amount is increasing. I also filed an original complaint XX/XX/XXXX and it was closed without being looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint regarding this company. They temporarily fixed the error on my report only to re-report the incorrect information. My mortgage was transferred from XXXX XXXX  ( loan # XXXX ) to XXXX XXXX on XX/XX/XXXX. At that time, the home was in escrow. XXXX XXXX contacted XXXX XXXX ( Loan # XXXX ) on multiple occasions in late XXXX and XX/XX/XXXX attempting to get a loan payoff and were rebuffed with the recurring excuse that my loan " was not in their system '' and they were unable to accept payment. We already had a payoff from XXXX but without a demand from XXXX, escrow was unable to proceed with the payoff. I finally reached an employee ( XXXX XXXX ) at XXXX on XX/XX/XXXX who was able to secure the payoff for us the next day and the loan was paid in full on XX/XX/XXXX. When escrow did finally close, I was forced to pay many extra days of interest and taxes ( approx {$200.00} per day ) because of their refusal to provide a payoff when asked in late XXXX. 

My loan with XXXX  was in forbearance at the time the loan was transferred. XXXX rightfully reported my loan as paid as agreed. XXXX reported " paid 150+ days late. '' I have contacted XXXX XXXX on multiple occasions to no avail so I filed a dispute with the credit bureaus which XXXX responded to and lied to them saying I was 150 days late. If in fact I was 150 days late, there would have and should have been late fees charged to my account. None were charged because I was not late. My loan was under forbearance when it was transferred and XXXX XXXX was required to honor that forbearance or in the alternative accept a payoff in a timely manner. They did neither. 

XXXX XXXX only owned my loan for 19 days and spent 18 days of that refusing to take money from myself or escrow. Now they want to claim I was 150 days past due which is an outright lie. They need to correct my credit bureaus as they have dropped my perfect credit score from XXXX to XXXX. This is unacceptable and they do not respond to requests to correct their mistake. The phone number designated for disputes ( XXXX ) is not in service and rings 3 times then hangs up. 

The lowered credit score has caused my business ' credit to be affected thereby choking my business during a pandemic. 

I am attaching the following : The original payoff quote I got from XXXX XXXX through XX/XX/XXXX The letter from XXXX saying my loan was being transferred which I received on XX/XX/XXXX An email from my realtor to XXXX XXXX with the letter referenced above attached and response from escrow saying they would need a new demand Emails from escrow from XX/XX/XXXX - XX/XX/XXXX outlining efforts by XXXX XXXX to get a payoff from XXXX XXXX to no avail. 
Text messages with my realtor from XXXX XXXX outlining the scramble to finally get a payoff from XXXX XXXX XXXX XXXX XXXX the payoff quote and accompanying email I finally got on XX/XX/XXXX 2021
Product: Credit reporting

I received a prescreened credit card offer from XXXX XXXX for which I am not eligible. Their offer said to call XXXX to stop receiving prescreened offers so I called the number, which represents all XXXX credit bureaus, and the automated system asked for inappropriate information such as social security number, date of birth, home phone number, etc. Consumers are continuously warned not to give out these identifiers because of privacy and identity theft concerns so I hung up. Why are credit card companies asking for this information just to opt out of a prescreened offer? A better way is to change the system to an opt in system so that consumers are not burdened with having to opt out of the numerous sales offers they receive. My complaint is that credit card companies should not be allowed to ask for those private personal identifiers that are used for identity theft. This practice must be stopped.
Product: Checking or savings account

I opened an account with Wells Fargo that had a bonus code for {$300.00} if I met certain requirements. I had to make 5 deposits within 60 days to get the {$300.00} bonus. I made the transactions plus some, but Wells Fargo is refusing to give me the {$300.00} bonus. I checked to make sure with the banker my transactions would count prior to opening the account and they told me they would. Wells Fargo made an agreement with me they aren't honoring.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately I had XXXX late payments on a account XXXX  account number XXXX that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following XXXX. I'm now requesting you investigate this account and update these payments to paid on time and never late immediately, thank you for your understanding and prompt action.
Product: Debt collection

No information given regarding account. Violates federal XXXX XXXX XXXX also no medical release given and eligible to collect on debt per Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Product: Debt collection

I received a mail from Phoenix Financial Services regarding a debt for an ambulance service back in XXXX and threatened to report that to credit reporting agency. I never received a bill for this service and was covered by XXXX XXXX insurance. I requested Phoenix Financial Services to provide proof of debt but did not hear from them since. I believe this is a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is still reporting 2 accounts that were sold to a debt collector XXXX XXXX. 

These accounts are being reported by XXXX  XXXX and the debt collector. 

If the accounts are sold, then the old information must be removed and/or the balance updated accordingly