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

Midland credit management is reporting a collection balance of {$630.00}. I should not of the account anything but I paid the {$630.00} because I need it off of my credit report. I paid it on XX/XX/2022 and it is still not showing paid and they are still reporting to the credit bureau that I owe the money. On XX/XX/2022 they reported to the credit bureaus that I still had a {$630.00} delinquent balance which is a lie. Ive contacted them several times and they have agreed with me and the fact that I have paid the balance and that they say it will be on my credit soon but why are they still reporting it and open balance? It is very malicious in intent and adversely affecting me thanks for your time
Product: Debt collection

I had my credit reports pulled by my realtor and was told I had some medical debts that needed to be taken care of. My family and I have lots of great medical coverage and have never received any bills. I began to dig into the accounts and the company CMRE has never been able to link the debt to either me or my husband. Please help me get this resolved so we can purchase a home for our family. This mishap has caused lots of undue stress and discomfort for my entire family. Where we live is no longer safe and we must get out daughters  into a safer neighborhood. This has been more stressful than necessary as we have no outstanding medical bills at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : Everyday Checking Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Case XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX The issues with this account have negatively affected my life and my business because this blemish has affected how banks treat me. As stated in previous communications, this account was supposed to be handled and made positive but the banker handling it was no longer working there in the middle of the process. I paid the company despite knowing I truly did not owe the money. I just want it removed from XXXX. I'm prepared to take legal action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have things on my credit that are not mine. Some that is in another state and I knew nothing about and wan na know how can I go about do this and clearing this up even if I have to take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX received information that LVNV Funding LLC is reporting inaccurate information on my XXXX credit report ( s )! 
Showing an open account in the amount of {$640.00} on XXXX Didnt open a new account on this date & the reporting information is incorrect & LVNV Funding LLC needs to correct/delete inaccurate information from my credit report ( s ).
Product: Credit card or prepaid card

I recently opened a credit card with PNC. I activated the card and successfully made a couple of purchases. Shortly thereafter, the card started getting declined. I contacted PNC customer service repeatedly to get the issue resolved, but I was not successfully able to get help from their customer service. I waited on hold for over an hour and 15 minutes, finally disconnecting to board a flight. Their unwillingness to assist is both frustrating and inappropriate.
Product: Mortgage

In XX/XX/XXXX I applied for a Home Loan modification with Bank of America. I completed the trial period and was approved for a permanent modification in XX/XX/XXXX. When I called Bank of Americain XXXX XXXX to make my monthly payment the CSR told me that they would not accept my payment because my house was in foreclosure. I tried for several months calling every week to make a payment or to find out what was going on and no one could give me a straight answer. XXXX person said there was a " glitch '' in the system and that it would be fixed and I could mail in my payment which I did in XXXX XXXX. I thought the problem had been solved until the day I was supposed to make my next monthly payment, I received back in the mail the payment I had made in XXXX XXXX. Still after that I called every month to find out what was going on and no one at Bank of America could tell me. A year later in XXXX XXXX I hired a lawyer from an online website XXXX out of New York. Needless to say the charged me XXXX dollars a month for 8 months ( XXXX XXXX dollars ) and they did nothing! Took my money and never appeared in court on my behalf. I just found out this Law Firm scammed hundreds of consumers and is now filing bankrupt. To make a long story short Finally this year Bank of America was I guess trying to get their act together but too Late for me they said because im too far behind for them to help me and by the way, what happend to my modification was called " DELAYED CONVERSION '' ... ... .Bank of America recently sold my mortgage to XXXX XXXX XXXX. Im trying to go thru the modification process with them but its not looking good for me. There is a strict foreclosure judgement for XXXX XXXX, XXXX. 
Because of Bank of Americas negligence I am going to lose my home..Not Fair! Please please if there is anything anyone can do for please let me know.
Product: Debt collection

The company drive time repossessed the car in 2016, removed it from my credit report for over 5 years and then just put it back on 8 years later. I attached the contract and will continue monitoring this company before proceeding legally in 30 days from today
Product: Credit reporting or other personal consumer reports

DEAR RESPECT SIR, I also request you to reply me please take more time problem satisfactory problem boot not fail no result my future project of XXXX XXXX  is on the verge of cancellation just XXXX XXXX you tell me more remember me fix my XXXX XXXX in order. That's undesirable. 

XXXX XXXX REPORT SCORE IS XXXX THIS SCORE IS XXXX TO XXXX SAME REPORT AFTER XXXX XXXX NO NEW ACCOUNT NO NEW OVERDUE NO NEW ACCOUNT XXXX  NO CHEQUE BOUNCE HOW TO DECREASE MY SCORE IF MY TRACK RECORD HISTORY IS BAD WHY ARE SHOWING MY XXXX XXXX IN XX/XX/year> TO XX/XX/year> SCORE IS XXXX WHY The same bank that you have given me the XXXX XXXX  up to XX/XX/year> or the same my loan is running if its record is correct from XX/XX/year> to XX/XX/year> then my score was same as the old one then why did it get better i did not take this new loan what could be the case You are in LOAN, study it and give a report. The report that was given on XXXX XXXX is the same report. I have come across time. I did not feel anything different. For 6 months, the data is the same. Everything is the same. The payment report is the same. There is nothing new. Then why has the report changed? NO ANY NEGATIVE TRACE RECORD
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A Capital One credit card was fraudulently opened in my name on XX/XX/2023. The person applying for the card had used a previous address on the application. Neither me nor anyone in my household has applied for any credit cards in the past year. The card was forwarded to my new address on XX/XX/2023 which is how I discovered that this fraud had taken place. I immediately notified Capital One and they are conducting a fraud investigation.
Product: Debt collection

I need validation of this debt. My insurance company has paid any outstanding medical bills. I have no recollection of this debt. It is on my credit report and I've never recieved a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I noticed an unusual drop of about 50 points on equifax and XXXX. Today on XX/XX/2021 I noticed it dropped again. I believe these recurring errors are due to the algorithymns written with software bugs. When I take an unusually high balance out on my XXXX cards the sytem automatically drops my credit before the billing cycle is completed, instead of waiting to see what my payment is. I always XXXX  out the balances. 
My XXXX cards showed balances adding up to over XXXX but they were both XXXX  out before the scheduled payment date. I have not missed a single mortgage payment on my home that I own for over 4 years. My car lease is always paid on time.
Product: Credit card or prepaid card

Applied for a Bank of America credit card and was told there would not be a deposit fee, after signing up they deducted XXXX  dollars from my account for a security deposit. None of these fees were made aware to me. I called them to get my money back and close the account they read me a non disclosure agreement and told me it was closed. Furthermore I would have to wait 14-21 days for my refund. At the end of that time period I did not receive my refund so I called again and they told me the account had never been closed. As of XX/XX/19 I have called again and have to wait a further 14-21 days for confirmation
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) - the credit bureaus have to modify or delete accounts that not reporting accurately. Experian has not.

According to USC 1681b ( 1 ) - the credit bureaus don't have no written permission. Experian has not.

According to 15 USC 1681- I have the right to privacy. Experian doesn't follow this law.

According to 15 USC 1681s-2 - 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. 

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

( B ) Reporting information after notice and confirmation or errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on. 

Experian have no respect for the laws. 

Someone needs to hold them accountable for this. 

I added two attach letters I have sent to Experian over 45 days ago. I have even added the USPS conformation receipt as proof I have mailed out these two letters. 

I will be filing a lawsuit with my attorney XXXX XXXX XXXX. I sue before and won my case.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and got an apartment in my name. I've tried contacting the company to explain and get them to remove it from my report but company never responded. I've now filed a police report, hoping the police finds the person and the company can remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to repair my credit for more than ten years. I recently paid a credit account in full and the credit reporting agencies in light of this information took from one to 50 points OFF my score instead of adding points to my score. Account reference is XXXXXXXX XXXX indicating charge off /collection/write off - other, which now has a XXXX balance. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of the fair reporting, I have also checked with my State Attorney General and verified that this reporting is in violation of my rights as a consumer.
Product: Credit card

In XXXX was unemployed and Asked the company if There was a type of program like my other 2 credit cards had offered where I make a set agreed upon payment with the understanding that I can't use the card however the interest fees and late fees did not accrue. The aviator advantage card aka Barclays informed me that they had no program for me. I called twice and was told no. 
I then had a XXXX XXXX XXXX XXXX and was employed but on XXXX XXXX XXXX 
Then 23 days ago I recieved a summos that they are suing me for {$3500.00}. 
I wrote a letter to the atty and dropped a letter for the judge at the Co ckerks office. 
I would love any advice to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to sign up for Experian.com and am unable to complete the registration process or even reset my password. 

The online system seems to know who I am, has my login information, but when attempting to correct the information online I get the following response : " We have encountered an irrecoverable system error. '' Call us TOLL FREE at XXXX. 

When you call that number ( or any other Consumer Number offered by Experian ), the Telephone-Tree only offers to send you back to the online site at experian.com and hangs up. No offer to speak to a real " human being '' is offered and any attempt to contact Experian has similar results. 

Currently, there appears to be no way to resolve this matter. I am not confident in Experian 's ability to offer credit services for consumers at this point as they do not offer any way to talk to a human being. 

Please have a representative from Experian contact me to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a Delta SkyMiles Blue Card through American Express and I feel their interest rates for purchases at 29.24 % is too high when considering average credit card interest rates are currently23.97 % - 24.72 % .This card does not have an annual fee. I have asked for a lower APR but was denied without explanation. 

They are also charging late fees up to {$40.00}, but don't specify any actual dollar amount and how it is accessed.
Product: Payday loan, title loan, or personal loan

ON XX/XX/ I ENTER INTO A INSTALLMENT CONTRACT AND SECURITY AGREEMENT WITH XXXX XXXX WHO IN THAT SAME DAY TRANFERED AND SOLD MY CONTRACT TO UNITED AUTO CREDIT... .I PUT DOWN XXXX $ CASH TO XXXX XXXX XXXX THE REST OF THE PAYMENTS WENT TO UNITED AUTO CREDIT , AFTER LOOKING THROUGH THE CONTRACT I DIDNT SEE ANY RIGHTS TO RESEND MY CONTRACT, SO THEY FAIL TO DISCLOSE RIGHTS OF RESCISSION ALONE WITH A HOST OF OTHER VIOLATIONS THAT YOU WILL SEE IN THE DOCUMENTS THAT I WILL BE UPLOADING ... .UNITED AUTO CREDIT REPOED , MY CAR AND TOLD ME THEY WOULD BE SELLING MY CAR, I SENT UNITED AUTO CREDIT AN AFFIDAVIT FACT EXPLOITING THEIR VIOLATIONS ALONE WITH THE CONTRACT I RECEIVED FROM THEM .....
Product: Credit reporting or other personal consumer reports

The company is in violation of my consumer rights as outlined by the fair credit reporting at. According to the FCRA, my account on a consumer credit report must be reporting 100 % accurate and verifiable. The company has violated this law by reporting fraudulent accounts on my credit file. I have no knowledge of these accounts on my credit file. I am a victim to identity theft and did not make these charges. I have reported this information to the FTC and included a copy of the report with this complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/, I had a vehicle stolen that was financed through PNC Bank. They accepted fraudulent funds from a 3rd party and send me the owner the lien release for the vehicle. PNC Bank took blame and worked with my insurance company to pay it off in full. PNC Bank still hit my credit for missed payments that a vehicle wasnt paid for 3 months that was paid off. So I contacted the CFPB in XX/XX/. They reached out to PNC Bank and the bank told them it was handed and case was closed. Here we are 2 years later and its still on my credit report.
Product: Debt collection

On XX/XX/2020 at about XXXX XXXX I received a text message from XXXX. The message stated it was from Glass Mountain Capital LLC and they were attempting to collect a debt. The message asked that I call them at XXXX. 

I do not have any outstanding debts nor have I done any business with this company. 

In reviewing their XXXX complaint history, it appears this company has a history of attempted fraud.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was involved in a experian data breach and all my private information is being exposed. I requested it all be removed from the public because of the attempts of identity theft and false reportings.
Product: Vehicle loan or lease

CITIZENS ONE IS NOW CAUSING PUBLIC EMBARRASSMENT BY SENDING A LATE NOTICE AND A CFPB RESPONSE TO AN ADDRESS I HAVE NOT LIVED AT SINCE XX/XX/2018. THIS WAS HAND DELIVERED TO ME BY MY OLD LANDLORD, WHICH IN TURN HAS CAUSED A PROBLEM AS THEY ARE UPSET I LEFT DUE TO A HOME PURCHASE. 

XXXX XXXX, OFFICE OF THE CHAIRMAN INTENTIONALLY SIGNED, APPROVED, AND MAILED A CFPB RESPONSE LETTER TO ME ; WITH AN OLD ADDRESS THAT HAS BEEN PREVIOUSLY UPDATED ON THEIR FILES. THIS WAS AS A FOLLOW UP TO MY REQUEST FOR WRITTEN COMMUNICATION ONLY, TO A CFPB COMPLAINT, AND ALL FUTURE CORRESPONDENCE. WHEN I STARTED MY COMPLAINT ABOUT THE COMPANY, I HAD A CURRENT AUTO LOAN, IN FACT IT WAS OVER PAID THE PRIOR MONTH. 

I WAS ASKING FOR AN EXTENSION, AND AT THE BEGINNING OF MY CALL I WAS FALSELY MISLEAD THAT I WOULD RECEIVE THAT EXTENSION, THEN TREATED POORLY ON THE PHONE ; AND TOLD I DO NOT QUALIFY AFTER I WAS TOLD THEY WOULD HELP. NOW THIS. 

I FEEL LIKE CITIZENS IS TRYING TO INTENTIONALLY HARM MY REPUTATION AND NAME, AND HARASS ME. 

I PAY MY BILLS ON TIME, I HAVE A HIGH CREDIT SCORE, AND THIS IS UNJUST HARASSMENT FROM CITIZENS ONE BANK
Product: Mortgage

On XX/XX/XXXXwhen my agent called the bank to check on our offer, we received a counter. The foreclosure sale date was on HOLD per XXXX XXXX  who is the file owner at XXXX. On Monday my agent sent in a new offer that was a FULL PRICE offer that met the banks net, and XXXX XXXX said she wouldn't be the person assigned. When my agent called TODAY she was told XXXX WAS INDEED still supposed to work it, but when my agent emailed her the documents she continued to write that she wouldn't work it. My agent called AGAIN today and was told that XXXX  was supposed to return my agent's call, but hasn't. I'm told it has to be postponed TODAY or else there is no chance of getting the foreclosure placed on hold, how can this be okay when we have a full price offer?
Product: Mortgage

Freedom Mortgage promises programs to help with natural disasters and forbearance options that heavily impact your credit. And they dont make you aware of the consequences of taking there special payment programs.
Product: Money transfer, virtual currency, or money service

I am writing to formally complain about zelle regarding handling of disputes. particularly in light of CFPB lawsuit highlighting significant issues with the platform. I was told that recovery funds was impossible and that tracking these was unfeasable. The CFPB has indicated has neglected to protect its consumer and I have been exposed for exploitation leaving me vulnerable to scams.
Product: Debt collection

XXXX XXXX  homes is trying to collect at XXXX and they falsely put it on my credit report Im not on the lease it wasnt my XXXX I tried to take them
Product: Credit reporting or other personal consumer reports

Inquiries on my credit report that I did not authorize and medical bills that don't belong to me
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

XXXX XXXX XXXXXXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX