23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is reporting an incorrect status on my credit report. This account was obtained by Portfolio Recovery Associates XX/XX/XXXX and has since been reporting as an open and revolving account, even though it is a collection account. This company is updating my as a charge off on credit report every month making it appear that I am getting a new charge off/ late status on my credit report every month. After paying the company my debt owed in XX/XX/XXXX the company again updated the account as a closed charge off, and left a years worth of late payments on my credit file. I have tried to ommunicate this error with the company directly multiple times, and the company only ever says they are reporting correctly, and that is is the credit bureaus faul, which is incorrect. A collections company should not be reporting a charge off status as they were not the ones who extended the credit to begin with, and they should ot be reporting as a revolving account.
Product: Credit reporting or other personal consumer reports

By law, you are not allowed to report income since this account has been charged off. You should have received a 1099C from the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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.
Product: Credit card

this account was opened without my knowledge or consent. it is a result of id theft
Product: Credit card

I negotiated a payout and cancelled my card on XX/XX/XXXX. The bank does not dispute this. However, they never shut off the card and when a recurring charge from a local store was processed later in XXXX and XXXX, the charges went through and now the bank wo n't remove them and say I am responsible for these charges. The card was cancelled on XX/XX/XXXX, anything after that should have never went through. I have called them over 10 times to resolve this. when they are n't sending me to different departments, they are refusing to take the charges off the cancelled card. Just as an aside. My husband also negotiated a settlement amount and payment for his credit card on the same phone call. His card was cancelled per his instructions. This is their mistake, not mine. Thank you for your help with this. Please direct all inquiries to my husband XXXX. He handles the finances and he was the person interacting with the bank.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. 

Regarding the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payments was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Product: Credit card or prepaid card

On XX/XX/XXXX at approximately XXXX XXXX I deposited my paycheck to my American Express Serve account via their mobile account. At XXXX XXXX I received an email notification saying my money had been transferred from my account to an individual, whom I do not know. The name given on the email is XXXX XXXX. I called to dispute it. Changed my passwords, atm pin, ect. At XXXX XXXX on XX/XX/XXXX I received an email says they decided it was an authorized transfer. Then at XXXX XXXX they sent an email saying I had a negative balance and at XXXX XXXX I had violated section 15d and my account is permanently suspended. I called and asked for the information of the individual who took the money couldnt/wouldnt give me anything. I asked what 15d violation was they said they didnt know what it was. Unfortunately the police are unable to help track it down. 

I cut up my card and no longer have the account number since Im locked out of it
Product: Mortgage

Repeatedly charged {$99.00} fees without explanation, despite sending on-time payments. Wrote to company, but did not receive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  credit card with XXXX Bank and they reported that I have a 30-day late payment for the month of XXXX, 2022 on XX/XX/2022. I did not miss a payment nor was I late for the month of XXXX in 2022. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by XXXX on XX/XX/XXXX. XXXX has yet to resolve the issue.
Product: Debt collection

I receive XXXX phone calls a day from a company calling itself midland credit management or midland credit bureau. They do not leave a message but call constantly. the calls are now coming through my work computer. It usually starts with a XXXX XXXX XXXX but calls come from all over the country. It 's clearly and XXXX Call Center. They ask me for my " mc '' number for which I do not have. They then ask me for my phone number, my address, and they have also asked my for my SSN. I have previously provided my phone number thinking it would pull up and account which they NEVER FIND XXXX I have NEVER given them my home address or my SSN. I have told them to cease calling me. I told them i was calling the XXXX and ... if they are calling Me then they need to give Me the information so I can assess and determine if there is a debt. Not vice/versa. 

They continue to call and now i think they call all of my available numbers including through my computer. It is every day and up to 5x 's a day.
Product: Debt collection

I discharged a debt in chapter XXXX bankruptcy that was owed to XXXX XXXX XXXX College. Despite this fact this debt keeps being sold to new collection agencies and I keep being contacted in an attempt to collect this discharged debt. I have informed XXXX previous collection agencies that this debt was discharged in bankruptcy and included as a listed creditor in my bankruptcy. Instead of this being the end of it the debt just keeps getting sold to a new collection agency and I 'm again contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry was unauthorized and should be removed ASAP ( XXXX XXXX ( Finance ) XX/XX/2021 ) The company has not responded to me and it has been over 30 Days
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the fraudulent information listed on my FTC reports
Product: Debt collection

Cedars Business Services , LLC is trying to collector for a debt that is not owed. I only received communication from this debt collector via email on XX/XX/2021. See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent four dispute letters disputing unverified accounts on my credit report with XXXX  and Experian. The accounts I'm disputing were with XXXX  XXXX and XXXX XXXX XXXX XXXX. I have sent Experian and XXXX  dispute letters and response letters from XXXX XXXX XXXX XXXX and XXXX XXXX, stating that they can not verify the accounts that these two credit bureaus are saying that they verified. Experian and XXXX  needs to delete these accounts because I have letters from these companies stating that they can not verify accounts that the credit bureau say I have with them
Product: Credit card or prepaid card

1. Tried to log on to website mysynchrony.com but was not able to get through due to account number not matched with username. Username was recovered through matching account number. Tried to reset password but was denied and was asked to recover password by asking security questions. 2. Password recovery was unsuccessful so called customer service. 3. Customer service could not match last four social security number with account number on file. I asked the representative what information was on file but she denied. I gave her my wife 's last four social security number as well and was still unsuccessful to get through. She also states that she was not able to reset my password without the correct social security number provided so she recommend that I send her a photo copy of my driver 's license and social security card to their office. 4. I told her to let me find out more information and will call back to arrange payment. 5. Two days later, a representative calls my boss looking for me to arrange a payment. So it was curious to me how they have my boss as a contact and not me on file. I spoke to a representative and they denied ever calling my boss. They said their was n't a phone number on file. I asked what information was on the profile because they have spoken to me and my wife within the past 3 days and was never asked to update our profile on their end yet they have access to contact my boss to arrange a payment. Never once did me or my wife, the account holder, was contacted by phone. 6. The representatives are confused over simple questions and can not answer any question. Only reply from them is " I am not able to release that information to you '' or when asked to speak to a manager they tell you " they can not help you ''. 7. I have had this account for almost 2 years and was never late all of sudden I can not access my profile online on their website. Can not speak to anyone on their end to reset my password or to get information on what is social security number is under my name. Yet they have the information to get a hold of my boss to ask him to arrange a payment. 8. I fear this company does not have the correct information under my name and my wife 's name. Also the person who has the social security number on my profile may report identity theft and we will be accountable because syncrony bank has the wrong social security number on file under my name and my wife 's name. I have paid off all the balance and closed it on XX/XX/2017. When asked by the manager over the phone as to why I wanted to close the account, I stated " you have poor customer service and you have the wrong information on file ''. I was given a reply that those were not an option I can give.
Product: Credit card or prepaid card

Citi cards did not provide us any appeal documentation or proof of their dispute resolution reasoning. They failed to properly adjunct a dispute with overwhelming proof that we did not receive a service as expected and the product was defective. We provided evidence that supported mis-advertisement to Citi. We also provided proof that we had to purchase the same product from another vendor, because the merchant we had the dispute with on our Citi card was terribly inaccurate and fraudulent. 

-The merchant was offered an opportunity to correct his work and provide the service as advertised, which included providing documentation of comparable vehicle values and correcting errors in his report. He did not correct the errors, did not provide supporting documentation as advertised, and valued our vehicle less than an industry standard market price in spite of providing purchase price documentation. Citi was made aware of this with complete documentation. 

Rather than reversing the dispute Citi asked me to get a refund letter or agreement from the merchant. Obviously, the merchant was refusing to do this in the first place, hence why we had to proceed with the dispute and invoke our protections under the card member agreement for mis-advertised service, a unusable document/work product ( due to errors the merchant refused to correct ), and unethical practices that included no signed credit card authorization receipt by the merchant and citi cards accepting the transaction without properly signed authorization. As you will note, there is no document in the file that indicates I signed for payment on this specific credit card following receipt of this merchants product. I would have refused to pay until he delivered the product that we ordered and signed for. Please review our response for a detailed explanation in the attached documentation titled " evidence letter 2 & evidence letter 3 ''.
Product: Payday loan, title loan, or personal loan

I paid off the entire amount owed on the personal loan which was {$700.00} us dollars on approximately XX/XX/2022. Upgrade is stating that they never received the payment, they only received the {$300.00} payment toward my credit card account. Upgrade has now charged off the account as unpaid with an amount that is inaccurate ( not sure of total amount ). I have contacted Upgrade several times trying to resolve the issue and even spoke with a manager, sent a copy of my bank statement showing the amount and date the payment was made. The issue has yet to be resolved and they have sent petters in the mail and via email stating that I owe money and that my loan account has been charged off.The payment is page 5 of the screenshot l, line item number 2. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt this item was not being reported legally. 
A couple of days ago I received a template letter stating that your investigation was complete and multiple items listed were Verified. 
To my understanding this needs to be performed separately, and not grouped together with other accounts. I also believe that for a item to be " verified '' there are specific details that need to be provided to me, which were not. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Product: Credit card

I opened a Mastercard account with Citi about 6 years ago. I rarely used the account as it was only to access specific concerts/events for my wife. About 6 months ago fraudulent activity was encountered ( someone called in a changed billing address ) and an entry-level attempt was made by another user to charge against the account. I wanted to close the account in XXXX of this year, but the Citi agent said " it would be better '' to issue a new credit card. Yesterday, a fraudulent charge of {$460.00} was placed against my card. I attempted to log in - the password had been changed. When I attempted to change the password, the phone number for verifying the change had, itself, been changed. I called into Citi and discovered that my home address had also been changed. I immediately attempted to close the account - and directed that any on-line access be terminated. I requested a confirmation of all of this, along with a statement that the account had no active balance. Citi has not confirmed any of this. At present, Citi is not extending a good faith effort to protect my PII.
Product: Credit card or prepaid card

Bank of America XXXX opened in my name on XX/XX/2022. I never applied for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice an account from XXXX XXXX XXXX  that wasnt opened by me, affecting my credit score as the status of the account is now charged off. I want it off of my credit report because I didnt open the account myself and it is affecting my ability to apply for an FHA home loan during these tragic times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern, LexisNexis has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly verify, violating my privacy right, and causing harm to my reputation as well with their continued identity theft since I have never given written authorization or consent to share any of my personal information, including BANKRUPTCY to any third party in which you do not have a permissible purpose. 
Specifically, the disputed information includes : Bankruptcy Account case number XXXX Based on my review of my consumer report and the lack of any action taken to resolve my previous dispute, it is evident that LexisNexis failed to follow through with this obligation. 
Per the FCRA ( 15 U.S.C. 1681c ( a ), LexisNexis breached their Fiduciary Duty Lexis Nexis violates said section for furnishing this information on my consumer report, which was obtained illegally under false pretenses in which theyve obtained it from an online electronic system known as XXXX. ( Shown in Exhibit 2 ) Per the FCRA, this information is to be EXCLUDED FROM CONSUMER REPORTS. 
This is not a dispute, formal complaint, or request for validation or verification but a demand for compliance regarding your fiduciary duty and affirmation obligation to respect my right to privacy and to protect the security and confidentiality of the customer 's non-public personal information. 
As a result, I am requesting the following actions to remedy this violation : The immediate deletion of the disputed information from my report. 
Written confirmation that the investigation has been completed, along with the results of the investigation. 
An updated copy of my consumer report reflecting any corrections made. 

If these actions are not taken within the time frame allowed by law, I will be considering further action, seeking legal representation for damages. 
Please acknowledge receipt of this dispute and provide a written response within the time prescribed by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
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Sincerely, XXXX XXXX
Product: Checking or savings account

With Capital One, I have access to early pay from my job 's direct deposit. I didn't get it Wednesday or Thursday. Today is Friday and I still have not received my direct deposit. I have the pay statement from my job so I know they dispersed the funds.