23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I called and settled my debt with XXXX XXXX XX/XX/XXXX, XXXX with XXXX XXXX XXXX He was very rude and not professional. I hired a legal counsel ask them to take off my credit report. They agreed to stop reporting to my credit. The representative advised me that the collection would not report after 30 days. I am in the process of buying a home and my lender advised me that the charge off was still reporting to my Trans Union Credit report. My report is reflecting XXXX points lower than the other XXXX scores. Please remove from my credit. I will attach the settlement letter. 

The debt collect for XXXX XXXX was XXXX XXXX XXXX, Paralegal, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attorneys at Law XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Georgia XXXX Phone : XXXXXXXX XXXX XXXX XXXXXXXX ) Fax : XXXX XXXX This is the email from XXXX XXXX No, your original request was not pretty clear as you told me you needed a letter ( which we are also providing ), not the writ. Regardless, it was filed with the court at the correct time. It shouldve been notated with the court if you didnt check public record. Regardless, I have attached a copy as a courtesy for XXXX XXXX. Have a good day.
Product: Debt collection

On XX/XX/XXXX I checked my credit score and come to find out I had a water bill that was paid. I never once received any notice to my residence, nor did I ever receive a phone call. I called The Financial Network asking questions regarding the collection and they were rude. Did explain anything to me and did not want to give me any information. I called once on theXX/XX/XXXXand also theXX/XX/XXXX and they didn't want to help me both times. She was abrupt and only cared how I was going to pay. I explained that I paid in XX/XX/XXXXand she mentioned we would not have it in collections if it was paid. Also, when I spoke to the individual within the company, she asked me if I recieved anything written in the mail and she didn't say anything after I asked her why wasn't I notified and given a chance to dispute the validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX and XXXX XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Debt collection

Portfolio Recovery Associates are attempting to collect a consumer debt that is not owed to them. 
This Debt collector is not a party to the Contract nor are they a signature to the agreement/Contract that was purchased by their corporation therefore PORTFOLIO RECOVERY ASSOCIATES XXXX possess no valid claim to the debt stated in the Contract to be owed by the Principle, XXXX XXXX XXXX XXXX 
This Corporation has violated the Fair Debt Collection Act also violated multiple Consumer Rights Laws by contacting XXXX XXXX XXXX Mail or Phone. This XXXX has violated the FAIR CREDIT REPORTING ACT by reporting fraudulent debt owed to the XXXX XXXX XXXX, causing financial harm to Consumer. 

FAIR RESOLUTION I want all collection efforts stopped immediately, all false debt reported to the Consumer Reporting Agencies is to be removed immediately. XXXX XXXX XXXX is private, and this corporation possess no valid claim to report debt. 
claims in Federal Court are being drawn up. 

Thank You XXXX XXXX XXXX XXXX Authorized Agent
Product: Money transfer, virtual currency, or money service

I have tried to close my paypal account for over a week now as I no longer agree with their business practices. I tried online on multiple occasions I have called and spoken to representatives XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. They have told every time Paypal is having technical issues closing accounts but it should be resolved in XXXX to XXXX hours. I have been told the have made me a priority. I have messaged the chat agents and get the same song and dance. I feel like I am being held hostage. I have nothing outstanding on my end. I no longer agree with the terms of service and want my account closed. There is many many people having the same issue and being told the same things Ive read on social media. I just want this taken care of.
Product: Credit reporting or other personal consumer reports

I received an alert that a hard pull showed up on my credit report from XXXX XXXX  and Capital One between XX/XX/XXXX and XX/XX/XXXX and I have not submitted any sort of application for any form of credit to these companies whatsoever. I called to get clarification and received the answer someone applied for something but that someone was not myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account on my Report since  XXXX  when I noticed that this appeared on my report.   I have asked bo th Equifax ( CRA ) as  well as  XXXX   ( Creditor ) t o furnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX . Equifax does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.   I have spoken to Equifax several time after each dispute requesting documentation, the person who is verifying this information and the method that Equifax is using to verify. I was just told by a  Supervisor   XXXX   ( wo uld not furnish last name ) at the  Dispute dept.  of Equifax that Equifax does not itself verify creditor 's information but they honor the creditors information and put that on my report.   This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.   Why do we have laws and acts if CRA 's can circumvent these laws so easily?  <P/> I have provided the information below on my dispute history.  <P/> This is a summary of your Equifax  Credit File activities  within the last 365 days.   We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized Equifax to deliver online.  <P/><P/><P/><P/> Results  XXXX  COMPLETED   XX/XX/XXXX   XX/XX/XXXX  Viewed   XXXX    PENDING  XX/XX/XXXX   XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX  -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX Expired   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   XXXX   XXXX
Product: Checking or savings account

My deposit isn't available and I'm in need of household items & groceries.

I've had no feed for 3 days as of today.

I also need to pay a security deposit for a new apartment as I have lots of XXXX XXXX XXXX where I currently reside. 
Capital one needs to do better.

Thus isn't the 1st time this happened to me I took my husband to dinner & was unable to pay for my meal. I had to wait almost 2 hours later for my debit card to function again. that time they blamed master card But this time there's no reasoning or timing on fixing the problem
Product: Credit reporting

I attempted to contact the company, however, they would n't allow me to talk to someone. I sent 2 letters and the first time they responded about the wrong account and the second time they ignored my issues completely. The creditor - Comenity Bank - engages in shady business practices and does nothing to actually look into the issues and truly investigate. I also submitted a dispute and within 2 days they responded stating the information would not be corrected. They did n't even investigate! 2 days turnaround shows not even looking into the matter. I have other accounts and have been a good customer, however, they could n't even help me with this matter. I have read several better business bureau complaints for this creditor with similar issues. I want the late reporting removed because it is inaccurate and due to errors on their part, not sending statements and disputed fees
Product: Credit card

Target is incorrectly reporting the day of first delinquency. They are reporting that the day of first delinquency is the month after I settled the account. Prior to this settlement payment there were no payments payments made and the account was reported delinquent for 7 months. At that point there was an attempt to bring the account current for a minimal payment, but i disagreed with the terms and did not make any more payments. Prior to that the last minimal payment was made 3 months prior in which a minimal compromised payment was made for 3 months. Target has re-aged this account violating 15 U.S.C. 1681c ( 1 ) No where in the act does it state that a debt can be re-aged after a lump sum or payment in full is made. This account was clearly delinquent 7 months, arguably 10 months. The delinquency could even go back further as I started missing payments 6 months earlier XX/XX/2008, They are claimin DOFD as the day after it was settled in full which is not right.
Product: Debt collection

Thru a company  called    XXXX   XXXX   XXXX  , the y negotiated an amount that was smaller than what was owed to  XXXX  or  XXXX   XXXX   XXXX  and I was able to pay off the agreed u pon amount in 4  payments in  XXXX  in the time stipulated. I also received new credit cards from   XXXX   XXXX   XXXX   with the account numbers that were never activated or used that I still have in my possession attached to the  XXXX   XXXX  package that indicate previous account ending  XXXX  new account ending in  XXXX  valid thru  XX/XXXX . Payments were received, no new transactions took place an no payments were returned unpaid. This was clearly an entrapment to void the agreement and when this did not occur they decided to wait in hopes that I would not have documents to prove what actually took place.   I received a summons in  XXXX   XXXX  indicating that the balance of the original amount was due thru the law company of  Blatt, Hasenmiller, Leibsker &amp; Moore LLC  representing    XXXX   XXXX   XXXX    who apparently bought the loan from  XXXX . I believe under FDCPA my rights have been violated by deceptive and false misrepresentation with regards to modifying the card number to collect a debt that was agreed upon previously. I have provided the relevant information in the allotted time and the above mentioned lawyers are still pursing this thru the court system despite the fact that I received a letter from    XXXX   XXXX   XXXX    indicating that they may report the account as charged off to reporting agencies. Ho w can one com pany accept a payment, then a second company buys the debt and comes after you again. I believed that this debt was paid in full and should not have to go thru this anguish with these large corporations with  XXXX  behind them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
This account has violated my rights according to FCRA rules and regulations. 
A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

AFFIRM Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

my auto account from XXXX is due on the XXXX of each month. XX/XX/2022 i made a payment of {$390.00} on XX/XX/2022 i made a payment of {$190.00} and {$190.00}. XXXX made a payment of {$390.00}. But yet my credit file with experian reflects that ive been late in XXXX then updated to XXXX. ive senty a copy of my payment receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a settlement sheet showing this house was paid off onXX/XX/XXXXhowever this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/XXXX Reporting shouldve ended on this line of credit for XX/XX/XXXXwith me only being 30 days late at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.XXXX XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4.XXXX  XXXX falls under XXXX XXXX medical act paid in full. 

5 XXXX XXXX XXXX purging and re-aging the account. Account being paid as agreed.
Product: Checking or savings account

My son is XXXXyears old and was gifted {$600.00} via a US Bank Check from a US Bank Customer. I am not a US Bank customer nor is my son. We went to the local branch of US Bank at XXXX XXXX XXXX XXXX, XXXX XXXX California ( XXXX ) XXXX. My son arrived with the check and his United States Issued Passport as Identification. The Bank refused to cash his US Bank check stating he was a minor. They told him he had to open an account with them to get his money. I went in to speak with them stating the scenario that it is a customer issued US Bank Check and my son has a valid US issued picture ID. They would not budge. I escalated to a manager and she would not budge. We had to depart without obtaining our funds.

I called the Corporate Customer Service line and was essentially told by the representative that it is at Manager 's discretion ; but he believes the manager handled it wrong and should have cashed the check because my son had a passport. 

Both branch employees were very rude and arrogant to my son and I did not care when I stated that I would file a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid 2 collections on XX/XX/2019 upon the agreement that these would be removed from my credit report completely. 

The collection agency purposely moved the collections into " new debt '' on XX/XX/XXXX or XXXX. 

I've called several times and only 1 of the items was removed while being given all sorts of excuses. 

XXXX has notified me that they have no instruction in their XXXX system to remove the " new debt. '' I filed a dispute stating as much and still Portfolio Recovery Associates lied yet again.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, This complaint is due to XXXX reporting inaccurate/false information on my credit report. I reviewed my account for High Performance Capital. XXXX has incorrect information reporting that my car was repossessed, late and foreclosure form XXXX XXXX XX/XX/2020. This is not true. The vehicle was in my possession this entire time. So a car can not be repossessed if I still have it. Also the late payments are inaccurate. Company can only report a late payment once the payment is 30 days past due. This did not happen with my account. 
I have been in contact with High Performance Capital and they as well have stated on CFPG under the case filed against them that they will have information updated as I have requested. XXXX still has not removed this inaccurate information from my credit profile. This false reporting is hurting my credit and defamation. 
I will attach screenshot of my payment to HPC and the correspondence from the liason and representative for them. XXXX please remove these false inaccuracies from my account. 

i have attached screenshots of correspondence of emails and payment profile from HPC. Also them mentioning reporting to XXXX
Product: Student loan

Hi Concerned consumer advocates, I am a victim of fraud to the tune of nearly 5 years worth of timely XXXX dollar payments to Navient while being assured by phone representatives at Navient that I was making progress toward my 10 year PSLF payoff. They advised me to keep making payments and not submit for program credit until the 10 years was complete. I found inXX/XX/XXXX that I was not going to be credited for PSLF service months that I had been making since XX/XX/XXXX. 

XX/XX/XXXX, when I almost became XXXX because my school loan deferment ended and my payment was listed as over {$1400.00} per month after the XXXX site informed me that Navient was my new servicer as I completed the PSLF pathway per the directions on the XXXX site. 

Navient told me that in order to reduce my payments and still be in line with PSLF, that I needed to consolidate my loans. I did not know that this reduction in payment was not congruent with the PSLF program, and Navient representatives told me that I need to wait my 10 years before contacting the PSLF representatives. 

I did not become aware of the fact that the consolidation has to have a letter d in its title until about XXXX of XXXX when I saw the news of all of the people being denied loan forgiveness. They also thought that they were finished only to learn that their loans had been high-jacked into the commercial side and not the federal side of loan repayment plans. 

It took me until XX/XX/XXXX for my servicer to change from Navient to XXXX. I made 4 payments to Navient during that time of conversion, which are still yet to be credited to my account. From XX/XX/XXXX until XX/XX/XXXX I corresponded with both representatives of Navient and XXXX XXXX XXXX in order to fight to receive credit, but to no avail. Even after I consolidated into the correct loan type with the letter 'd ', made timely payments, under qualifying employment ... I am still awaiting 4 months of credit from Navient who took my paymets continuously yet listed me as haven been under deferred, non-payment status for the 4 months prior to my file transfer to XXXX. I am still awaiting this additional 4 months of credit to my PSLF bank. 

Someone said that you may be able to help me get credited for this 5 years and 4 months of 100 % timely payments to Navient while they misrepresented my financing, payment status, and all the while I have had qualifying employment and worked with the same company continuously since XX/XX/XXXX at 30 hours per week as a XXXX. 

Please help me get credited for my payments.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, I discovered multiple fraudulent accounts and inquiries appearing on my credit report that I did not open or authorize. These include an auto loan or lease opened in XX/XX/XXXXXXXX  for an amount of {$2500.00}, another auto loan or lease opened in XX/XX/XXXXXXXX  for an amount of {$23000.00}, as well as personal or business loans opened in XX/XX/XXXXXXXX  and XX/XX/XXXX totaling {$2400.00} and {$350.00}, respectively. In addition, I identified unauthorized inquiries from various financial institutions. 

I immediately disputed these items and provided evidence of identity theft, including documentation from the Federal Trade Commission. While some of the disputed accounts were initially removed, they were later reinserted by XXXX onto my credit report without proper notice or newly discovered evidence, which violates the Fair Credit Reporting Acts ( FCRA ) requirements for reinsertion. Additionally, the credit reporting agency failed to conduct a full and proper investigation, as several disputes were closed without the agency verifying key details or considering the proof I submitted. 

Photos attached. 

These wrongful reinsertions and the lack of a thorough investigation have caused significant harm, including negative effects on my credit score and potential issues with accessing credit, employment, or housing.
Product: Debt collection

constantly receiving harassing phone call from collection department. insulting comments. very disrespectful tone & words