23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In the timeperiod between XX/XX/XXXX through XX/XX/XXXX Comenity bank has repeatedly decreased my credit limit on my store credit cards purposely damaging my credit, starting with XXXX credit card in XX/XX/XXXX they continued to decrease my limit even after timely payments, once it was paid to a XXXX balance they closed it. Next was Children 's Place credit card, once it was paid they closed it also in XXXX. Currently it's XXXX credit card, I paid it down to a {$160.00} balance and they dropped my credit limit to {$100.00}, this was XX/XX/XXXX. My Victoria 's secret card has been paid on time each month, they recently dropped my limit down by {$150.00} as of XX/XX/XXXX now its my New York and Company card, on time payments, they dropped my card limit to {$150.00}, this feels like a tactic to either hurt my credit score or force me to spend more and gain more debt by closing my card or decreasing my credit card limits. I am in the process of repairing my credit score and have been on time with my payments, I need to bring my card balances to at least 10 %, Comenity continues to harm my fico because I don't get into further debt with them by using my credit cards, they rather lower my credit limit to slowly close my accounts one by one. They provide a letter stating the reasons such as no real estate, high balances on my students Ioans ( which are deferre ), not everyone has real estate and students loan balances shouldn't be a factor. I feel comenity is using a tactic because I don't spend and allow them to benefit from any further Interest off higher balances.
Product: Checking or savings account

XXXX take XXXX $ of my money out my Account and I never receive the items I purchase ... Filed a dispute with the bank and they denied it ... say it nothing else they can do to help me at this point ... do n't really know the Exact date ... but it was in XXXX 2017
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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting

Fraudulent accounts along with credit cards and loans using my credit report and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year 2020 I filed disputes with XXXX, Experian and XXXX  I yet to receive anything from them on this matter. I understand that with covid19 going things have slow down but 4 month later is not acceptable. There should be no reason why I havent got a reply from any of three bureaus.
Product: Checking or savings account

Robin Hood account closed permanently and they refused to send me funds available in the account it says company policy. 
Never received a prior notice that account is going to get permanently and will not refund any funds available in your account so take action before that amount in account is XXXX still now made at least at least XXXX to XXXX times request to release funds if not going to open account any more
Product: Credit card or prepaid card

On XX/XX/2022, I applied online at XXXX for their XXXX Credit Card while trying to purchase airline tickets. The credit card promotion that convinced me to apply was {$100.00} Statement Credit if {$2000.00} spent during 1st 90 days, a {$99.00} companion fare at end of year, and XXXX frequent flyer miles. I received instant approval from Bank of America, and in XXXX received credit for the XXXX frequent flyer miles but not the {$100.00} statement credit, despite satisfying the {$2000.00} spending requirement. Bank of America has sent me required electronic disclosures and the credit card agreement, but no mention of the {$100.00} statement credit. After doing XXXX XXXX, I have found other XXXX XXXX credit card customers who have experienced the exact same scenario. I've spoken to Bank of America and there " researching '' the issue under ticket # XXXX, but I expect the same written response from them that the other online complainers got - can't find that XXXX XXXX promotion. Indeed, filing a CFPB complaint was listed as the only solution to the problem so here I am. What is upsetting is the deceptive trade practice ( AKA bait and switch ), either by XXXX  XXXX or B of A. Yes I want them to honor their advertising promotion, but they should want to do the right thing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account on my credit report that I believe is the result of identity theft. I recently reviewed my credit report from your bureau and identified discrepancies related to the following account : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX ACCT XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$5000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Checking or savings account

I'm trying to find out what I need to do I have been kicked out of my apartment and I'm living one the streets because I can't seem to figure out what I need to do to gain access to this account I've been fighting with my accounts and having trouble for months already and can't seem to get help anywhere I have lost all of my stuff because I don't have any family willing to help me I just want to know what is going on so I can see what my opinions are my son is having to stay with he's friend because I don't have anywhere to go I've been on the streets walking around with no car trying and hoping and praying I can't get help anywhere but I keep getting no where and nothing seems to be going through for me I don't live in the best part of town and I'm afraid I may not be able to make back to my son the longer I have to be out here two times already I've by the grace of XXXX have gotten away from some bad people trying to take me and I afraid next time I just may not be so lucky please help me
Product: Vehicle loan or lease

their is a car note that was opened in my name without my consent, I would like this issue to be fixed as soon as possible.
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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX,2020 {$630.00} I call to make some arrangements
Product: Student loan

Nelnet has illegally placed my loans back into repayment, in spite of the ruling and forgiveness passed this year for XXXX XXXX  of which I have been confirmed of being included. All loans were eligible to be refunded back, with two covered by XXXX prior to the ruling. They had been in forbearance until today, when I received a notification that Nelnet is demanding payment. This is a criminal offense of a fraudulent demand of payment fo r loans that have already been entitled to repayment by the government. My credit score has already taken a hit because they removed the admin forbearance on my loans.
Product: Credit reporting or other personal consumer reports

In according with the FAIR CREDIT REPORTING ACT. Account number XXXX XXXX XXXX has violated my rights. 
15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE XXXX XXXX XXXX, SENT TO ME A 1099C FORM, WHERE SHOWS A DEBT CANCELATION, I DONT OWE ANY MONEY TO THEM, AND THE CREDIT REPORT IS UNACURATE WITH THIS INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Puerto Rico XXXX Phone : XXXX SS : XXXX Subject : Elimination of file number XXXX & XXXX Inform the complete and precise address of the Bankruptcy Court of Puerto Rico. 
XXXX XXXX XXXX Federal Building & US Court XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX We have no documents to inform us that the XXXX telephone belongs to where the bankruptcy court of Puerto Rico is established. 

Report that there is no plaintiff lawyer named XXXX XXXX in any of our files with the bankruptcy court of Puerto Rico. 
If this is obtained from the PACER system, it contains errors in addresses, telephone numbers and lawyers that do not exist. 

PACER has been criticized for being technically obsolete and difficult to use, and for the demanding fees for records that are in the public domain. In reaction, nonprofit projects have begun making such documents available online for free. We can not rely on a system that is not updated to reality and to spelling errors in the systems programmed based on legal data. 
I enclose documents to show what was presented.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies on my credit report with Equifax regarding late payments inaccurately associated with my XXXX XXXX account. This loan was fully paid off in XX/XX/year>, as accurately reflected on my XXXX report. However, Equifax has incorrectly listed late payments post-account closure, which is both inaccurate and misleading.

Furthermore, during the COVID-19 pandemic, I reached out to creditors, including Credit Acceptance , and entered into payment deferral agreements as allowed under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. Section 4021 of the CARES Act amends the Fair Credit Reporting Act ( FCRA ) to ensure that accounts modified due to pandemic-related hardships should continue to be reported as current if they were in good standing prior to the modification. Reporting late payments during this period violates these protections and misrepresents the true status of my account.

Under the Fair Credit Reporting Act ( FCRA ), Section 623, and as enforceable by FACTA 312, furnishers of information are required to conduct reasonable investigations into disputes. Additionally, 15 USC 1681i ( a ) ( 7 ) entitles me to a detailed description of the procedures used in your investigation. To date, I have not received any documentation detailing the investigation into this matter, leaving me without clarity on how these inaccuracies have been assessed or justified. 

The inconsistent and inaccurate reporting violates consumer protection laws that mandate maximum possible accuracy in credit reporting. These errors have negatively impacted my financial standing, and I am committed to ensuring this matter is resolved promptly and fairly. I respectfully request a thorough investigation, the removal of the erroneous late payment entries, and a copy of the information used during your investigation process. 

Thank you for your attention to this matter and for supporting my efforts to maintain a fair and accurate credit history. 

please find attached a letter to Equifax, my ID, my SSC, my proof of address, XXXX credit report showing 0 late payments.
Product: Debt collection

I have sent XXXX certified letters to Rash Curtis and Associates to have a fraudulent collection account removed from my credit and they continue to ignore but they are apparently responding to the credit bureaus advising them that the account belongs to me- it does n't!!! 

Originally they were reporting XXXX unknown accounts then they were removed and all of a sudden a new account appears with a different account number # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed and account that was not reporting accurately I had two late payments on an account 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 Ive attached a copy of my report to this complaint on the following dates ( XXXX 2024 ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action
Product: Debt collection

I received a letter from Transworld Systems Inc. dated XXXX/XXXX/16 for the amount of {$110.00}. 

I have no idea what this debt is about since I pay all my road tolls, parking tickets and medical bills. I have never received a bill from a creditor for this amount so this is the first communication I received about owing a debt. 

The letter did not state who the creditor was or what the bill was for. The Transworld website contained no information to check this account for me to look it up. The phone numbers listed on the letter and website are dead numbers so the company can not be contacted. I have read online ( consumer reports ) that other consumers are having their credit reports damaged by this company who ca n't be reached for questions about the debts they 're trying to collect. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. Accounts Below : US DEPT ED # ACCOUNT XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX US DEPT ED # XXXX XX/XX/XXXX XXXX  XXXX  XXXX # ACCOUNT XXXX XX/XX/XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX XXXX XXXX # ACCOUNT XXXX XXXX ACCOUNT XXXX XX/XX/XXXX CHAPTER XXXX BANKRUPTCY # ACCOUNT XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt on XX/XX/year>. As of today, you have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered a contract with you, I must ask for the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for you collection of this alleged debt? 4. Please send evidence your authorization to do business or operate in the state of Tennessee. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or another instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Best Regards
Product: Debt collection

In late XXXX, I lost a parent after a long illness. This devasted me financially and I dealt with years of XXXX. During this time, unfortunately several of my credit card accounts fell into delinquency. It has taken nearly a decade to put myself and my finances back together. 

At some point in XXXX, Portfolio Recovery Associates ( of XXXX. VA ) purchased old debt from my accounts that was charged off by the original creditors. Long after the statute of limitations on these debts had already passed and Portfolio could no longer take any legal action about them, they began to fraudulently misrepresent the debts and distort information about them in an ongoing effort to re-age them and destroy my credit, a practice illegal under the FCRA. 

Their actions included : Misrepresenting themselves as various types of companies ( including factoring company, attorney, law firm ) when they are required by the FCRA to identify themselves as debt collector, debt buyer, or, in very specific conditions that did not apply to my old debts that they purchased, collection agency Misrepresenting information about the date on which the account in question would age off my credit report by : omitting information about the date of delinquency ; providing the ( irrelevant ) date on which they purchased the debt in an effort to misrepresent it as the date of delinquency ; fabricating the date completely ( as presently seen on my XXXX credit report : the date of delinquency was XXXX XXXX, but in XXXX of XXXX, they fraudulently misrepresented this date to XXXX as being XX/XX/XXXX ) Fraudulently posting the account in question as various types of accounts, including installment loans, other accounts, and payment plans Re-reporting the account in question after I have successfully disputed it with a credit reporting company ( XXXX, XXXX, XXXX ) with false information in order to make it appear like a different account from one that was successfully disputed and removed, multiple times with multiple reporting companies Fraudulently claiming there has been activity on the account as recently as XXXX XXXX so as to cause the account to impact my credit score and creditworthiness Portfolio has made it impossible for me to take any action on this the debt in question until it is off my credit report ( because if I take any action it may reset the clock on the debt ), yet they are interfering with the lawful removal of the account from my credit reports due to its age. 

At this point their fraudulent manipulation of information on my credit report has impacted me professionally ( background checks for work ), I have been denied credit, and the presence of this item on my credit report makes it impossible for me to consider buying my first home. 

The attached screen shot shows my XXXX credit file. Note the missing information. This is for an account that went into delinquency in XXXX XXXX. Portfolio is now presenting it as an installment plan that has just gone into 120 day status.
Product: Credit reporting or other personal consumer reports

Capital one reported my credit card and car payments as late which violates 15 USC 1666 b. I want a monetary remedy at XXXX per violation. please see attached credit report
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my score is suffering as a result. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. They said that they would delete them all but only some were deleted. And I never received an updated credit report.
Product: Debt collection

This is a rental debt that was inflated due to keys being lost in mail. They also did not send any paperwork during the pandemic to request for payment. It just appeared in collections, they stated they had no forwarding address when they could have just sent it to current address and it would be forwarded naturally. I was not even aware of this bill until almost 16 months later when it appeared on my report, never receiving any notice from original creditor. 

IQ Data International IN Debt {$6100.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I made a normal loan payment to Wells Fargo bank of XXXX. 

On XX/XX/2021 the loan through Wells Fargo bank was paid in full by XXXX XXXX group. 
On XX/XX/2021 Wells Fargo charged me XXXX for interest for the paid off account. I paid the payment to ensure no late fee or bad report on my credit assuming Wells Fargo would correct their mistake. 

On XX/XX/2021 I reached out to Wells Fargo requesting a refund of my credit balance as well as the interest charged. I was told the money would go back to the account that I made the payment from ( XXXX ) I've made several phone calls and never allowed to speak with a supervisor to resolve this issue. I was told to talk with XXXX for a refund however XXXX did not make the payment, I did. 

I received the XXXX credit via check from wells Fargo but they still refuse to refund my XXXX stating they are investigating. 

I only made the payments to remain in good standing. Wells Fargo sent a letter stating they had 10 days. It is past their own deadline and now they are saying they have extended the time. I just want my money back.
Product: Credit reporting or other personal consumer reports

The personal information listed in my personal credit report is inaccurate and invalid.

I have in the past disputed this same information and it was eventually deleted and it is not re-appearing on my personal credit report along with some new invalid information.

Name Addresses Employment