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

XXXX  and TransUnion credit bureaus placed bankruptcy on my credit report. No bankruptcy record on file at courthouse in XXXX. Letter of dismissal is available from Judge. Letters filed and request for removal from credit reports not being handled.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital 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 to be removed/updated.

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.

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!
Product: Debt collection

On XX/XX/2021 Midland Credit Management was contacted through certified mail regarding a corespondence of an attempt to collect a debt in the amount of XXXX ( Midland account # XXXX ) The original creditor XXXX XXXX XXXX was also contacted by certified mail letter in regards to disputing alleged debt. Midland Credit Management as of todays date XX/XX/2021 has never responded to written corespondence disputing this debt and a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I asked Midland Credit Mangement to provide me with competent evidence that I have any legal obligation to pay this debt buyer. Meanwhile XX/XX/2021 Original creditor XXXX XXXXXXXX XXXX sent a response stating that the alleged debt I was referencing was sold to Midland Credit Management. I did not consent to any sale of any information between Midland Credit Management and XXXX XXXXXXXX XXXX. I was not aware of any exchange of information between these two entities. After written corespondence was sent to MIdland Credit Management I began recieving several harrasing phone calls multiple times of day to my personal celluar device from Midland Credit Management threatening " legal paperwork needing to be served upon me at my home or place of employment ''. I do not owe or have any obligations to pay Midland Credit Mangement any monies realted to any alleged debt. I am now due monetary remedy for violations of my rights under FCRA.
Product: Credit card or prepaid card

There was a charge for XXXX XXXX for XXXX that I did not authorize
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a dental savings plan through XXXX. Through a computer glich, I was charged twice for the plan. Both charges occurred on the same date and time. The amount was {$120.00}. I contacted XXXX  and they issued me a full refund. I am being told that it could take up to 12 days to receive the credit back on my account. That is UNACCPTABLE!!! It did not take Citi Bank 12 days to release the fund. Citibank blames XXXX  for the refund not being back on my card. XXXX casts the blame on Citibank. Citibank told me that I still have over {$4000.00} to use on my credit if something should happen and I need money. That answer is totally ridicous. That is not the point. I don't carry balances on my card.
Product: Debt collection

I received a letter from the collection agency called Affiliated Creditors inc stating due to tax season they were offering a settlement. I called XX/XX/XXXXand paid the agreed Settlement amount which was 75 % of the balance owed. Once paid the settlement amount I recieved a confirmation number as that debt was settled. On XX/XX/XXXX they have now reported this to my credit report as I only paid 75 % and still owe a remaining balance of the difference. So it is now showing on my credit report as a debt in collections that I still owe on. Which has effected my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very stressed out. I can not believe that I became a victim of Identity theft. I have some inquires that are not mine. I do not know why I have them in my credit report. Its crazy I can not live like this because these items are killing my report. These inquires violates my rights. Please promise me that you will deal with this situation and finally remove from my profile. 

Please check these fraud inquires : XXXX XXXX - XX/XX/2020 XXXX XXXX - XX/XX/2020 XXXX  - XX/XX/2020 XXXX XXXX XXXX  - XX/XX/2020 I am attaching my ID
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 U.S.C. 1681s-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and EQUIFAX is posting old information on my credit report. I have made several attempts to settle the matter and XXXX, XXXX, and EQUIFAX have ignored my notices. As of today, XX/XX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new credit.
Product: Mortgage

My homeowner 's insurance was due on XX/XX/2021. PennyMac sent payment in the amount of {$4500.00} to my insurer on XX/XX/2021. They then subsequently sent another payment in the amount of {$4500.00} to an unknown insurance company. I have had the same insurance company for the past 3 years and have not changed insurance companies nor did I instruct Pennymac to send funds to another company. I have called and spoken to various individuals on the below mentioned dates. 

XX/XX/2021 XXXX XXXX, XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX 

On each of these calls PennyMac has given me the run around. On one of the calls the representative called the unknown company ( XXXX  ) and they informed myself as well as PennyMac that they returned the funds to PennyMac. PennyMac advised me on that call in XX/XX/XXXX that in 24 hours the funds would be returned to my escrow account. I called again on XX/XX/XXXX, and was advised that in 24 hours that funds would be returned. I called today at XXXX XXXX and the representative had put me on hold to investigate - when she returned to the call she appeared to not hear me and said " I need to call her back '' and hung up. She never called back. I called again at XXXX XXXX at this time this representative indicated that PennyMac is not responsible for my insurance. At this point I believe this to be theft in the amount of {$4500.00}. These funds were paid to PennyMac in Escrow and were removed without my permission and PennyMac refuses to reimburse me although they acknowledge the duplicate payment. They subsequently sent me communication dated XX/XX/2021 notifying me that I need to reimburse the Escrow account for the missing funds. I have requested on every single one of my calls that i would like to reimbursed for the funds that were taken out of my escrow account and sent to an insurance company for a policy that does not belong to me. On each call the representatives have acknowledged the mistake but refuse to solve the issue. My mortgage with the escrow payback is to commence on XX/XX/2021. It is unfair that I have to payback to PennyMac my own funds that they have taken. I am not sure what the legal recourse is here but i believe this to be unethical and illegal.
Product: Credit card

This account need to be fully closed out and dispute as unauthorized I never open it Account ending in XXXX. And please stop generate new accounts and new accounts numbers I am not requesting by law and please remove the accounts off all XXXX of my credit bureau reports etc. My ssn is XXXX etc
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries on my report are not authorized by me, In Accordance with the FCRA section 611 this companies violated my consumer right, I have attached a copy of FCT report. Please kindly remove inquiries. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

ACH transfer via Wells Fargo to XXXX XXXX XXXX XXXX. In XX/XX/22 ACH in the amount of {$17000.00}. XXXX failed to deliver goods and services paid for. Requested WF reverse transfer. WF refused without reason ACH rules state s failure to deliver goods or services is a valid reason for reversal.
Product: Credit reporting or other personal consumer reports

The following account and hard inquiries currently listed and showing on my Equifax credit report are fraudulent and unauthorized : 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 or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit report. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and impacting my financial credibility. It is crucial that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. The following items thare are fraud should be remove right away : XXXX XXXX Balance : {$0.00} ; 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  Balance XXXX {$0.00} ; ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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 below : XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXXXXXX Balance : {$5800.00}
Product: Debt collection

Portfolio Recover stated I owe them {$910.00} when I asked to see an agreement I had wit them they send me a copy of a letter from XXXX XXXX without a break dow of charges. Also the letter states at the bottom, " this is not an apptempt to collect a debt. When I check my credit reports, Portfolio Recovery says I owe XXXX XXXX XXXX XXXX XXXX. I called the company, they can not find a record with my name on it. I would like this charge removed from my credit report or Portfolio Recovery to provide me with an orginal agreement that I signed with them or a break down of the charges that will equal {$910.00}. I have been making this simple request for over a year now. Please try to get this company to remove this negative information from my credit reports.
Product: Credit card or prepaid card

My Home Depot Credit Card is seldom used. A charge appeared and I questioned the charge but after numerous telephone calls and even several in person visits to the store, I was unable to obtain any information. I did pay the {$50.00} charge only to find interest charges accumulating thereafter and daily. Furthermore they continue to accumulate The telephone numbers provided on the Home Depot website as well as that on the back of the card include the following : ( XXXX XXXX, XXXX XXXX, and XXXX ). but provide only recorded responses which relate to correct balance or help with orders, none of which apply to this issue. 

After extended wait times on each of the many attempted telephonic contacts, I eventually spoke with a person located in XXXX only to be transferred to a rewards program, then after yet another transfer, the call was terminated at the other end. Every call involved lengthy wait times and none any actual communication. 

Additionally, I attempted to contact them via email ... .also to no avail. They conveniently hide behind listed contacts that are not valid for they always lead back to account balance or order status that are provided with artificial intelligence programs. 

This has been going on for almost 90 days. Meanwhile, the credit card company, Citibank N.A. continues to apply additional interest which is compounded and has even marred my personal credit. 

Thank you for your help with this very frustrating issue.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove 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 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  Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half  years I have been paying on this loan I want them to stop reporting that I was late because I was not
Product: Debt collection

i have 2 collection account with allied collection services and i have requested them to delete both accounts off of my credit reports i have sent a letter requesting information and validation of debt from original creditor. they responded with the original contract and a breakdown of the charges of one account. 
According to nevada code XXXX practices generally. 

XXXX collection agency, or its manager, agents or employees, shall not : ( a ) Use any device, subterfuge, pretense or deceptive means or representations to collect any debt, nor use any collection letter, demand or notice which simulates a legal process or purports to be from any local, city , county, state or government authority or attorney. 

( b ) Collect or attempt to collect any interest, charge, fee or expense incidental to the principal obligation unless : ( XXXX ) Any such interest, charge, fee or expense as authorized by law or as agreed to by the parties has been added to the principal of the debt by the creditor before receipt of the item of collection ; ( XXXX ) Any such interest, charge, fee or expense as authorized by law or as agreed to by the parties has been added to the principal of the debt by the collection agency and described as such in the first written communication with the debtor; or ( XXXX ) The interest, charge, fee or expense has been judicially determined as proper and legally due from and chargeable against the debtor. 

This collection should have ever accumulated any interest after the fact as in the original contract in which they sent me there is nothing stating any interest will be accrued on any debt. 


accounts from desert realty acct number XXXX account from XXXX XXXX center acct number XXXX i have not gotten a response from my letter sent about the pioneer loan center but this account has also accrued interest and should not be.
Product: Credit card

I have maintained a Macy 's credit card for several years and pay the balance monthly. In the past 6 months, DSNB/CitiBank has been charging a {$1.00} 'Minimum Interest Charge ' each month, compounded, regardless of account balance. In other words, if I have not used the card and have XXXX balance, the fee is still charged each month. I pay any balance in full well before the payment due date and the fee is still charged. When I dispute the fee by calling DSNB, they immediately credit the fee. This is my inconvenience to wait on hold each month to correct DSNBs credit card add on fee. 
Admittedly, I have not audited my account over time to see when DSNB started this practice. The DSNB is charging this nominal credit card add on fee regardless of balance, which most will likely pay much less notice on their statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My complaint is against Experian reporting agency. My credit report has not been updated in 2 years making it impossible for me to verify if the information is correct. I had a previous problem with them reporting a closed account as an open account which made my utilization XXXX XXXX I spoke with fraud .. investigation and even customer service and everyone sent me to the next person. I then threatened to file a complaint hoping that would show I am serious .... 

Well, the next thing I know XX/XX/2020, was the last time my credit report was updated. They told me at first that it would take 3 months then 6 months. well due to so many life changes of covid I got frustrated and stop checking. I am now trying to purchase a house and have no way of knowing where I stand. It is impossible for not one update in 2years. I have been denied credit and a rent to own home program due to my credit not showing any information. Also my XXXX  account was closed with a balance of {$8000.00} owed leaving only an open XXXX XXXXXXXX for {$300.00}. well my available shows {$300.00} and my balance owed shows {$8300.00} causing my utilization to go to 990 %. I can attach documents privately,
Product: Credit card or prepaid card

Back in XX/XX/2021 I was denied the option to access my account, order a new card, and file a dispute. Being told there was nothing I could do I did just that. Bank of America restricted me from accessing my XXXX benefits. There were several occasions I attempted to access my account, but the representatives in the company back then were rude and never helped my requested services. I went into the bank and they informed me that they do not deal with unemployment XXXX, Bank of America accounts. After getting financial advice, and being informed that I could still file a claim for those funds I called in XX/XX/XXXX to get information on how to file a claim and dispute the transactions that had been done from XXXX. Being assisted by a representative in the claims department i began a dispute went through the verification process and XXXX minutes after the call began I was disconnected. I called in a second time went through the motions of verification process again after the verification was excepted I was able to update phone numbers and add other information as far as Security questions and email addresses and XXXX minutes into the call the call disconnected. I called in a third time I went through the updating of the number and the email. I answered the security questions and when the verification process was about to begin, I was told that the system is not allowing the verification process to be done, and I have to go into the bank and show XXXX forms of ID. I inquired on what I was supposed to say when they ask or informed me they dont deal with XXXX and I was told not to tell them I was being verified for XXXX. Just let them know I was being verified for a prepaid card and they wouldnt know what to do, I was on the phone for a total of about an hour and XXXX minutes and this is similar to the issues that I went through back in XXXX when I decided not to continue the banking relationship with them. I want to file a claim that Bank of America is still Denying XXXX customers access to their funds. My funds were stolen from me, and Bank of America is ensuring that this process is time, consuming and frustrating, and I am being made to jump through hoops to file a claim. It should never, and has never with any financial and institution, been this hard to resolve a dispute.
Product: Debt collection

Notice received XX/XX/XXXX from collection agency ( First Financial Asset Management ) This is for a car that I rented from XXXX XXXX  and gave back and they never told me there was anything wrong with the windshield. 

XXXX XXXX sent me a letter a month after car was returned asking me to pay for something I did not do.