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

This collection agency is continuing to report erroneous information on my credit report. XXXX ( insurance company ) this debt collector multiple times and advised them that is was illegal to place damaging information on my credit report. The collection agency reps were advised that medical providers have strict limit from the date of service until they stop accepting claims for that service. This provider failed to timely submit the claim despite having all the required information to do so. The collection rep stated during the call that the collection would be removed from my report -However that has not happened as required..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several requests to obtain a copy of my Equifax credit report. I did receive the other two reports, but Equifax has after one month still not forwarded a free report after several requests. I still need my free annual credit report.
Product: Credit card or prepaid card

I have had a XXXX Reward Chase credit card for a little over a year. When I applied and was approved for the card in XXXX of XXXX my limit was {$21000.00}. I used the card over the last year and was carrying a balance around {$3000.00}. I have made all payments on time with no issues at all. In XX/XX/XXXX I noticed a drastic decrease in my credit score and started to do research to find out why. At the time my credit score went from the 710s to the 660s. Upon researching the situation I discovered the Chase had reduced my limit from {$21000.00} to a mere {$3400.00} and my balance owing at the time was {$3000.00} putting me at almost 100 % balance to limit ratio. When I called them in XXXX to inquire they said they review accounts periodically and make changes and to reference the letter mailed to me for additional reasons. 
The reason provided on the letter were BALANCES ON ACCOUNTS ARE TOO HIGH COMPARED TO CREDIT LIMITS BALANCE OWED ON REVOLVING ACCOUNTS TOO HIGH NUMBER OF ACCOUNTS CURRENTLY IN USE There were no major changes to my credit from when I applied in XXXX and was granted the limit of {$21000.00} til when they made the changes to the limit in XXXX. Only difference was I had used their card as intended for a XXXX vacation. 
This was a reduction in my credit limit by 85 %. This was unfair and wrecked havoc on my credit. 
There has to be something protecting creditors from negatively impacting their credit like this. Even if they had decided, due to COVID and the risk associated with larger limits, to reduce my credit limit to a to a point where my balance would be 30 % of the limit that would have been more acceptable as it would not have impacted my credit so drastically. That would have still allowed them to cut my limit in half. This seems to be such a deceptive and unfair practice and there has to be something that can be done to protect a consume like myself who works really hard to keep my credit in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America I have been fighting with their your fraud department for weeks and no one can figure out what is going on Bank of America Took a credit card application from someone that stole my identity in early XXXX of 2021 On XX/XX/XXXX, I faxed over the request for the application because I am in the mortgage process and need this resolved On XX/XX/XXXX, I called the fraud department and they admitted they made a mistake and instead of mailing it to my address on the request form, they sent it to the person that stole my identity address and put my personal information out there again On XX/XX/XXXX, I called again and the Fraud Department because I didnt get it and I am about to be declined for a mortgage because of this XX/XX/XXXX - Received a call from XXXX XXXX XXXX Bank of American corporate office after I emailed the CEO about the issue. He assured me I would get the information XX/XX/XXXX I received a call from Bank of America Executive Resolution Office that I would get the credit card application and things would be fixed XX/XX/XXXX I get a call from XXXX in the fraud unit stating they didnt have any requests from me and that I needed my police department to call to XX/XX/XXXX - I spoke to Executive Resolution Office ( XXXX XXXX XXXX telling me they had the request and try to get the report from fraud department XX/XX/XXXX - A call from Executive Resolution Office ( XXXX XXXX XXXX asking for a copy of the report I submitted and the fax receipt and I sent it to her XX/XX/XXXX - I received a partial application the identity theft person submitted for a credit card, but it was incomplete and Bank of America violated by right by not providing a complete report and by accessing my credit report without a full and complete application ( I think the have it and are just not providing it ) Bank of America was in the wrong, they violated my rights and still have not complied in full to send me the information that they must have received to run my credit for the pepatrator Please help me get this resovled in full
Product: Credit card

There was a suspicious account ( XXXX ) Opened either on XX/XX/XXXX or XX/XX/XXXX in my name that I did not open. Someone has already spent {$290.00} and I've called XXXX and they have started the dispute already. Haven't heard back yet.
Product: Credit reporting or other personal consumer reports

REQUEST FOR DELETION OF CHARGED OFF ACCOUNT. 

DEAR TRANSUNION I am writting to request the deletion of inaccurate information from my credit report., .the account in question is listed as XXXX Auto loan. acc number ending in XXXX was charged off in error. 

under the fcra. section 611 ( a ), consumers have the right to dispute inaccurate information of their credit report .include the balance and charge off status, do not accurately reflect my credit history .I request an immidiate investigation and deletion of this erroneous account to ensure my credit report remains fair and accurate. 

please confirm the deletion of this account at your earliest convinience
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX that had a balance. XXXX  Garnished the balance off the XXXX XXXX  credit car from my XXXX pay. It clearly show the whole balance paid off. I call XXXX that took care of our pay, they told me it was paid off, that shouldn't be happening with my social security. I report it to the credit bureau to remove it, they still never removed it. Those people that still have it on my credit kept telling me it will stay there and accumulate interest until I pay that same debt I already pay that was Garnished from my pay again with them. 
I had provided proof off my XXXX  to the credit bureau showing the balance at XXXX after all the Garnishment. Now I have no idea what to do. They are telling me my only way to remove it from my credit is by paying them on my own again. It seems like companies have the upper hand to do whatever they want on your credit Consumer just have to take it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL. THOSE ACCOUNTS HAVE CAUSED SERIOUS DAMAGE AND I AM IN DISTRESSED THAT THOSE ACCOUNTS HAVE BEEN REPORTING INACCURATELY. PLEASE REMOVE THOSE ACCOUNTS THAT HAVE BEEN TARNISHING MY CREDIT.
Product: Debt collection

I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.
Product: Checking or savings account

On XXXX XX/XX/XXXX around XXXX XXXX  I looked at my Wells Fargo online banking app and realized the amount of money in my account was half of what it should be, and the money was not in the account I usually kept it on. I started to look at the transaction history and saw there was 3 or 4 separate XXXX  to a recipient I had never sent money to before. At this moment I realized my online banking account had been compromised. After this I started to check my email and saw my personal information for my bank account had been changed from XXXX XXXX  to somewhere in XXXX where I have never lived, and the main phone number was changed to a number I have never owned before. I called the bank immediately and opened a fraud claim, and explained everything previously stated. They told me there would be and investigation and they would call me back within 5-10 business days. After 5 days ( XX/XX/XXXX ) I called back to see if there was an update as this is a very large sum of money for me. They assured me there was no updates but once again told me they would get back to me with a phone call once they reached a decision on the claim. After 5 more ( XX/XX/XXXX ) days I once again didn't receive any phone call or email from the bank so I decided to call again which is when they told me my claim had already been closed. I asked for a superior and explained to them I had been waiting for a call back but never received it and I also questioned how they came to the conclusion of denying the claim. They told me they really couldn't give me much details about how they did their investigation and how they came to the conclusion of denying my claim. I asked for more information on the person the money in my account was XXXX  to and they told me they couldn't give me a name or phone number of the person. I asked them if there was any way to escalate this higher and prove this was in fact fraud that happened and the agent told me there was no there way to escalate this and I had lost my money. She told me I could request a call back from the bank in between 24-48 hours which I did and once again I did not receive a call back. I was also told my online banking app would be temporarily disabled so I would be able to log in when they were done with the claim but in reality the shut my whole online banking down and I am no longer able to log in my account or to create a new accounts so I am not able to access the funds in my accounts through online banking. 


When I first looked at my online banking app there was a few transactions I could see in the history in my panic of trying to get the bank to help me I did not screenshot these transaction and they disappeared the next day after I reported it to Wells Fargo, They no longer appear on my account but I am sure they have it in their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX XXXX 2018 I contacted my XXXX XXXX to ask when and how many times do they report my balances to ALL 3 Credit reporting Bureus. XXXX stated ( and I have their email statement ) ONCE A MONTH. I signed up for XXXX XXXX credit score monitoring with Free Daily Alerts. It appears, that Equifax, XXXX XXXX and XXXX are reporting to my credit file balances Two weeks after my closing date with XXXX XXXX,  then immediately decreasing XXXX XXXX score as much as 20-30 points at ANY GIVEN TIME OF THE MONTH. I find this to be wrong. My XXXX XXXX closing date is the XXXX of each month. Verified with XXXX XXXX. Why is Equifax, XXXX XXXX and XXXX  reporting balances two weeks after? And decreasing my score? I am AFRAID to use my XXXX XXXX at ANY TIME because Equifax, XXXX XXXX and XXXX is reporting incorrectly HURTING my score. I applied for credit and was denied because of this game the Credit reporting agencies are doing. I have TREND REPORTS by XXXX where it shows the dates, the decreases and the entire month graph as proof. I also have a written statement by XXXX XXXX that they ONLY report my Balances every XX/XX/XXXX of each month. What is happening here, is that the credit reporting agencies are keeping my Credit Line Utilization Ratio High, when in reality it is low 4.5 to 7 percent. By doing so, my scores drop. I know my rights as a consumer and I demand an Investigation to this bad business practices. XXXX XXXX advised I should report this immediately because it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still many accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts 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 or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ). I have reviewed my report and found multiple errors that require immediate correction. Specifically, I dispute the following inaccuracies : XXXX. Account : [ XXXX XXXX ] ( Account # XXXX ) ** The report indicates late payments and charge-off status for this account. However, under 15 U.S. Code 1666 ( b ), billing errors, including late payments, must be verified through proper documentation. A simple billing statement is insufficient evidence of a valid debt. Without proper verification or disclosure, this reporting is inaccurate. 
XXXX. Account : [ XXXX ] ( Account # XXXX ) ** This account is reported as collection/charge-off and reflects inaccurate balance and payment history.

Collections : As outlined in 15 U.S. Code 1692 ( c ), I did not provide consent for communication from a debt collector. Therefore, any alleged debt communication related to this account is invalid.

Charge-Offs : According to 15 U.S. Code 1601, the creditor failed to provide all necessary disclosures under the Truth in Lending Act. Without proper compliance, the charge-off reporting is legally inaccurate. 
XXXX. Inaccurate Repossession Entry The repossession entry associated with [ specific account, if applicable ] fails to confirm legal authorization to repossess from personal property. Under 15 U.S. Code 1692 ( f ) ( 6 ), the repossession agency must have the proper legal rights, which are not clearly demonstrated in this case. 
XXXX. Multiple Late Payment Records Several late payments are reported across accounts, but there is no substantial evidence to verify these claims. Under 15 U.S. Code 1666 ( b ) and supporting case law, billing errors and late payments must be substantiated with sufficient documentation, which has not been provided.

Requested Action : I request that you immediately : Investigate the listed inaccuracies.

Provide documentation or verification that substantiates these reports in compliance with FCRA and applicable laws.

Remove or correct all inaccurate, incomplete, or unverifiable information from my credit file.

Please provide a written response detailing the outcome of your investigation within 30 days, as required by 15 U.S. Code 1681i. Attached are copies of my credit report with the disputed items highlighted for your convenience, as well as supporting documentation for my dispute.

Failure to resolve these inaccuracies could result in further legal action under applicable consumer protection laws. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding an ongoing issue with PNC not reporting my credit card activities to the credit bureaus. Despite my repeated attempts to resolve this matter over the past year, the problem persists, causing me significant inconvenience. 

I have contacted PNC multiple times to address this issue. Each interaction has directed me alternately between calling customer service and visiting a branch, with each channel redirecting me back to the other. This runaround culminated in an instruction to send a detailed snail mail to their disputes center, which included copies of all three of my credit reports, my account information, and a signed letter detailing the issue. 

I was assured weeks later that the issue had been resolved. However, upon checking my reports, I discovered that the correction had not been made. This ongoing issue has been a source of considerable frustration for me and I am seeking a definitive resolution.
Product: Debt collection

In XX/XX/XXXX, I bought a used car through Ally Bank that I later totaled in XX/XX/XXXX. When I purchased the car, I also purchased the GAP insurance, which is supposed to pay off any remaining balance not covered by insurance. It did not pay off the balance. Two years later, Ally sent me to collections. XXXX XXXX XXXX XXXX sent a letter offering a settlement amount, which I accepted. I started my payments XX/XX/XXXX, to pay the settlement amount of {$1500.00}. In my agreement with XXXX XXXX XXXX XXXX, I agreed to pay weekly payments of {$25.00}, till paid in full. I mail the payments out every Friday, my payday, and I write the account number on every check. Two weeks ago, I received my envelope with my check Return To Sender, Undeliverable. I figured I had written the address too sloppy or something. I then put that envelope stamped Return To Sender, that {$25.00} check, and the current weeks {$25.00} check into another envelope to send back to them. I did not want them to think I was breaking our settlement agreement. This past week on XX/XX/XXXX, I received a letter with one of my checks ( number XXXX ), saying that they were unable to verify a valid account. They were requesting additional information, such as my name, account number, address, etc. Before check XXXX was returned, check numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have cleared. Check XXXX has been returned to me. Check numbers XXXX and XXXX have cleared since they first received check XXXX. As of today, XX/XX/XXXX, check numbers XXXX, XXXX, XXXX, XXXX have not cleared and are still in their possession. Is this debt finally paid in full? And if they don not have a valid account, where did the checks go that were cashed, and where are the checks that have not cleared?
Product: Mortgage

The closing company and I have been trying to get a payoff statement on my townhouse from Shellpoint Mortgage Servicing. The request was made on XX/XX/2020 and as of XX/XX/2020 we still do not have a payoff statement. I closed on my townhouse on XX/XX/2020. However, since we haven't received a payoff statement the money is sitting in an escrow account waiting for the statement before the funds can be distributed which cost me an extra {$400.00} at closing. I have called Shellpoint Mortgage Servicing almost every day complaining, and I keep getting excuses like it takes 3 weeks, the computer says, " waiting for fees, there was an error, and even it is being sent. I am very frustrated. I am an older lady and never in my life have I dealt with a company so incompetent. Someone needs to look into why Shellpoint Mortgage is still allowed to services mortgages. A payoff should part of their normal business processes and not be this difficult.
Product: Debt collection

After reviewing my credit report, I found that Portfolio Recovery Associates was reporting a debt on my credit report. 

I requested through the credit bureau that the debt be validated. Also I noticed that the debt in question was a zombie debt and beyond the Statute of Limitations to be collected in the state of Texas ( 4-years ). I never received a " dunning letter '' from this agencies so I could adequately dispute the claim made. 

After sending dispute letters to XXXX and XXXX without any results, I decided to send my dispute with Portfolio Recovery Associate ( PRA ) to the XXXX. While their investigation was pending, PRA 's account was removed and reinserted per my credit monitoring service ( XXXX ) and the credit bureau XXXX. My account with Portfolio Recovery Associates were " parked '' thus reaged. My debt appeared to be a new collection thus negatively affecting my credit score. 

This is a violation of FCRA for not giving me a five-day notice of the reinsertion of debt and the FDCA for the re-aging of Portfolio Recovery Associates account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX incorrectly made my monthly payment lower in my credit report than what is stated on my monthly bill. However I agreed to make payment arrangements which XXXX agreed to but they still reported my payment late this decreasing my credit score with Experien and other credit reporting bureaus XXXX points. They did not inform me that they would report this to the credit bureaus.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX15 USC section 602 A. States I have a right to privacy. 15 USC section 1681 Section 604 A Section 2 : It also states a 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 USC 1681sw-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.