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

I closed my Comenity bank card in XXXX. Since then they have reported to the credit bureau that I am late and have an outstanding balance of {$17.00}. I call to rectify first time, they say it was a mistake and they will remove and the account has been closed. The continued to report to the credit Bureaus as late and balance still owed when confirmed through them account was closed and nothing is owed. Why are they still reporting over and over that I am late? This is affecting my employment with my federal licenses XXXX, this is affecting my ability to finance investment properties and future financing, and causing my stress and losing all my hard work to have my credit in a strong status vs medium status which costs me thousands of dollars with future financing opportunities. I can not seem to get them to stop dinging my report even though they said they would. Please advise. Something needs to be done for them to stop damaging consumers credit profile when the consumer is not at fault. How can I call 3 times and talk to three supervisors and they confirm that this is cleared and apologize and nothing happens but more damage to my financial resume. Please advise to this company to start doing things correctly. I am considering filing a law suit as well.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- XXXX  XXXX -- - XXXX XXXX XXXX XXXX XXXXXXXX -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- XXXX -- -- - XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Sunday, XX/XX/XXXX - I was trying to purchase XXXX XXXX tickets ( after the concert started ) outside stadium in XXXX, PA. I live in XXXX XXXX, MD. 

I was trying to purchase tickets from an outside vendor ( XXXX ). I had my Chase card linked to XXXX and was trying to use XXXX/Chase to purchase on cellphone. I was repeatedly denied. I had at least three different sets of tickets in the " cart ''. I finally realized my Chase Freedom Visa card was refusing purchase because they thought the charge was fraud ( I guess because of location? ). I switched XXXX XXXX to my XXXX XXXX card and purchase went through seamlessly. The tickets I purchased through XXXX XXXX were {$2300.00}. Keep in mind, each pair of tickets I was trying to purchase was a different price. Demand was high and tickets were rapidly being purchased by others. 

In XXXX, I received a charge for {$2800.00} from Chase that was from XXXX. This was for the concert in XXXX. I was NEVER able to purchase these tickets. I have the cancellation from XXXX and XXXX. They both said purchase was never completed. 

I have been arguing with Chase since this was charged to my account in XXXX. If I look at my Chase disputes, I still have two open cases. When I call to inquire, they say that my dispute has been denied. They claim I received tickets. XXXX has confirmed I only received ONE set ( {$2300.00} amount ). I can not get Chase and XXXX to talk to each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a loan through XXXX XXXX and it was settled less than full balance. I paid this loan off in XXXX of 2018. In XXXX they reported that a payment was made after 30 days when in fact this account was already paid in full the month before. This has lowered my credit score and no one in this company seems to understand this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017 I filled out some contact information on line regarding mortgages. On the same day I was contacted by an employee of Quicken Loans and we discussed different scenarios. I told him that I had excellent credit. At no time during the call was I asked for my permission to have my credit pulled. I was very surprised to see a hard pull on my credit report and notified Quicken Loans immediately by phone. They looked into it and determined that I had given permission and that they would not remove it from my report.. Since all calls are recorded, they played back the call for me. As I remembered, I was never asked if they could or told that they were going to run my credit. Their reasoning was that their employee explained enough to allow them to pull my credit. Their business practice is deceptive and misleading to any consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both Experian and XXXX regarding XXXX XXXX XXXX XXXX intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with XXXX on XX/XX/19, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact XXXX can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!
Product: Debt collection

So I really dont know where to start with this whole process but I would say for the better part of 10 years now I have been dealing with debt collection agencies contacting myself and my family for debt that I have not accrued. I know a few years ago I call Trans Union and I called XXXX and I went through a process where I had to identify myself, and prove that I am not the person that they are looking for. I know when I get phone calls or debt collection in the mail they are asking for somebody with a very similar name and through the process I have found out that his Social Security number is two digit off but my TransUnion credit keeps getting hit for it, where as my XXXX is not affected ever. Im just at a loss because I have fought this before and it wasnt shortly after where the debt collections came back so I want to just know if theres something else I can do on my part before I try to call Trans Union again and deflect these charges but I have a feeling its gon na come back unless I do something proactively
Product: Credit reporting, credit repair services, or other personal consumer reports

this account has been in collection for years but still reports as an open account.. it's also showing payments being paid on time for the last 3 years then XX/XX/2018 it shows 120 days late. 3. also they haven't responded to my request for validation 4. this is an closed collection account still reporting a balance for XXXX. there should not be an account balance reporting on a closed collection account.
Product: Debt collection

XXXX collections account appeared on my credit report Contact XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX
Product: Checking or savings account

I opened my account with TD I HAVE A CHECKING AND SAVINGS ACCOUNT. 
THE BEGINNING OF MY PROBLEMS CAME WHEN I HAD FRAUD. I REPORTED THIS FRAUD AND WAS TOLD I WAS MOVING FUNDS BACK AND FORTH BETWEEN ACCOUNTS. IN ADDITION, FRAUD DECLARED WHEN I STATED THAT I DIDN'T EVER MAKE ANY TRANSACTIONS WITH XXXX. ALSO, THE AMOUNT OF FUNDS TRANSFERRED WERE EXCESSIVE. AT THE BANK, I ADVISED THEM THAT FUNDS WERE GONE OUT OF ACCOUNT. LAUGHING AT ME, SHE STATED, I WAS MOVING MONEY. I WAS NOT AND I ALSO STATED, THERE IS A POINT OF FUNDS EXITING AS OPPOSED TO MOVING BACK AN FORTH. 
' JUST YESTERDAY, I HAD SOME ELSE USE MY VOICE AS THEY CLAIM THEY HAVE VOICE PRINT TO IDENTIFY ME AND SOMEONE WAS ABLE TO MAKE A TRANSACTION. ON THE DAY OF THE XXXX, TRANSACTIONS NOW HAVE LEFT ME WITH OVER 3000 GONE. IT'S MY SSI MONEY AND THEY ARE NOT WORKING WTH ME NOR IS FRAUD. 


I SPOKE WITH XXXX, WHO IS IN 120 % AGREEMENT THAT SOMEONE INTERNALLY IS STEALING AND THAT THE BANK WAS NOT FOLLOWING THE FEDERAL GUIDELINES. THEY WOULD LIKE TO CREDIT MY ACCOUNT, DUE TO THE BANK REFUSING TO INVESTIGATE FRAUD. NOW, TODAY, THERE ARE NO RECORDS OF ANY TRANSACTIONS, ACCOUNTS, ETC. OPENED BACK IN XX/XX/XXXX-XX/XX/XXXX. THEY ARE SHOW ONLY 4 ACCOUNTS. 

JUST THIS WEEK, TRANSFERS, LINKING SAVINGS ACCT WITH CHECKING WERE DONE, 2 TIMES I HAVE HAD TO TELL THEM THEY WERE NEVER TOLD TO THAT THEY WEREN'T INSTRUCTED BY ME TO ALLOW MY ACCOUNT TO USE THE " GIFT OF GOING OVER MY ACTUAL BALANCE. SO, I WAS CHARGED WITH XXXX. THE BANK HAS REFUSED TO LISTEN, INVESTIGATE ANY FRAUD, STATING I WAS USING XXXX WHEN I HAVE NEVER HAD ANYONE WALK THROUGH MY DOOR. I DON'T AND WOULDN'T TRUST THEM. 

MY BANK, CLEARLY IS STEALING FROM ME AND IT'S NOT BEING ADDRESSED AT ANY LEVEL. 

ISSUED A XXXX CHECK WHICH ISN'T MY NAME, ACCOUNT AND FRAUD BUT THEY HAVE DENIED THIS AS FRAUD. 
2. WHEN I TOLD THEM THAT XXXX WAS FRAUD, I REC 'D A LETTER STATING THAT THE LAW UNDER FED E WAS MY PROBLEM. 

I HAVE OVER 15-20 ACCOUNT NUMBERS, NO STATEMENTS NOR ANY ABILITY TO GET THE 100 ATM CARDS WHICH ARE ISSUED. I HAD THE BANK ACTUALLY HAND ME A ATM CARD THAT I ENTERED A CODE/PIN AND THEY HANDED THE CARD WHICH DIDN'T BELONG TO ME AS WELL. 

I CAN'T BEGIN TO FIGURE OUT WHAT TO DO, AS THE POLICE REPORT THEY ARE ASKING OF ME IS NOT WHO SHOULD BE GETTING IT. 

THEY HAVE USED AND DENIED OVER 10-15K IN UNAUTHORIZED CHARGES, WHILE ANY OTHER FRAUD WITH MY CC OR CHECKING ACCOUNTS DON'T TDO THIS. 
THE BANK IS ASKING ME TO GIVE THEM ALL OF MY ACCOUNT NUMBERS THAT I HAVE BECAUSEE THERE IS NO TRACE.
Product: Debt collection

I am writing to request validation of a debt thats being attempted to be collected from me. I received a notice from this agency ( Professional Debt Mediation ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX. Account number # XXXX in the amount of {$2400.00}. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g I am requesting that this company provide me with the following information to validate this debt : 1. The amount of the debt ; 2. The name and address of the original creditor ; 3. The date of the last payment ; 4. The date of the default ; 5. A copy of the original contract or agreement ; 6. A detailed accounting of all fees and interest added to the debt ; 7. Proof that the statute of limitations has not expired. 

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 

Please note that I am not admitting to owing this debt and am only seeking validation of the debt as required by law. 

Thank you XXXX XXXX.
Product: Debt collection

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX. 
I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : 1 ) Portfolio Recovery Associates , LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXX XXXX XXXX XXXX. 
Account # ( XXXX ) Reference # ( XXXX ) 2 ) Portfolio Recovery Associates , LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXX Account # ( XXXX ) Reference # ( XXXX ) is inaccurate because [ I have never owed Portfolio recovery associates , LLC nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ Portfolio recovery associates , LLC ] have the item removed immediately. 
Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see inaccurate accounts on it. I cant figure out how or why this happened. Ive checked my report routinely, and nothing like this has ever come up before. I thought maybe it was a browser issue and refreshed the page, but the mistakes didnt go away. I am begging for the documents I provided to be reviewed thoroughly so I dont have to live with this fear anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Dispute republic finance it was removed then added back this weekend. XXXX XXXX  company employees managers. Have been using my information for years fraudulently doing things. Only someone with acess to all my information could do this. Im in the process of hiring a attorney to prove this. I have reported this to usda and they have did nothing either. There is a way legally this can be traced its happening at the office of rainervilla apartments and on there personal time
Product: Checking or savings account

On  XXXX    XXXX   My  XXXX  yr old son which is on my act. made a deposit into the Bank of America ATM of a  XXXX  check and  XXXX  cash. Immediately after the deposit he received a print out that said they have placed a block on his act due to irregular activity. He then called the # on the reciept and the teller said they have lift the freeze and told him to withdraw money to see if it would work. He then withdrew  XXXX  and thought all was well. The following day he attempt to use his card to buy a drink and it was declined b/c there is still a block on the act. Thursday night I called BOA and they transferred me to several people. I explained what happened and said I have a reciept showing the  XXXX  check +  XXXX  cash. After being on the phone for  3 h rs straight and no one could tell me why the act was closing besides there was a " cash jam ''. I wanted to know how he received a reciept for a  XXXX  deposit if it jammed, also with BOA. It takes up to 40 bills and only excepts bills it reads and and says what it reads along with having cameras. Still nothing resolved! Friday morning I went to my branch and brought the  two  receipts. After being there for over  2  hours. All they could do is give me the  # s I  have already contacted. They also said they have had several complaints with that particular ATM. and it was weird I have a reciept with the money in question, but they still closed the act. They suggest filling another complaint, so I did. They said come back to the bank on the following We 'd  XXXX  and they will have more info. When I showed up on Wed all the bank manager could do is give me another # to make another complaint, she also said they have sent a cashiers check of  XXXX  on  XXXX . This will be the 3 complaints with the risk dept, ATM service, claims dept. Since then I have been on hold, hung up on collectively of  5+  hrs trying to understand why they wo n't allow him to get the  XXXX  that he deposited and how can he have a reciept with the money that was deposited if it spit it out. Thanks for any help!
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute concerning the inaccurate and inconsistent reporting of the above accounts. These violations of XXXX XXXX compliance and the Fair Credit Reporting Act ( FCRA ) require immediate correction. Below are the specific errors identified : XXXX - XXXX XXXX. Late Payment Reporting Conflict o The account is marked as Current and Paid, yet it reports " Was 30 Days Late XXXX XXXX, '' which contradicts the paid status. 
XXXX. XXXX XXXX XXXX XXXX XXXX remarks or details regarding payment frequency are provided, making the late payment unverifiable. 
XXXX Credit XXXX and Terms Reporting o Term length is reported as 12 Months, but there is no information about the original credit limit, hindering accurate account evaluation. 
XXXX XXXX - XXXX XXXX. Date of Last Activity Discrepancy o XXXX and TransUnion : XX/XX/year>, XXXX : XX/XX/year>. 
XXXX. Late Payment History Conflict o The account is reported as Current but includes a late payment history : " Was 30 Days Late XXXX Time. '' 3. Balance Reporting o The balance remains at {$190.00}, with no supporting remarks to explain the unpaid status on a Current account.

4. Credit Limit and Utilization o The credit limit is consistently {$500.00}, but utilization exceeds recommended thresholds, with no remarks or context provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$100.00}
Product: Debt collection

In early 2019 I borrowed {$250.00} with {$50.00} interest. for 30 days. I finally repaid it in XXXX the whole {$300.00}. The company attempting to collect is XXXX XXXX XXXX They have made many threats to collect even though I have informed them that the debt has been paid. They are now saying I could owe as much as {$6300.00}. It appears that they are active trying to do the same thing against others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been having multiple issues with equifax. I was finally able to verify my identity and now they say I have no credit score. I need to attach my XXXX XXXX credit card account and XXXX credit card account to equifax so they can see I have credit. I just dont know how or who to contact
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 
XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1- A representative at American express informed me that I have a gold American Express XXXX since XXXX but under a different name and in another state ( i have only ever applied for any/all credit/ debit cards in only one state ( residence ) 2- I received great communication with the fraud department of American Express and was informed that i will receive more information via regular mail only. 

3- I have been dealing with several issues with the mail and failed to receive replacement cards for two other banks since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 4- I created an account with XXXX and discovered through the website that the American Express letter had been sent but my mailbox was completely empty so i filed a claim for the missing piece. 

5- There are several inaccuracies regarding both my personal information and credit card history on my credit report and I have spent endless hours trying to have the information corrected only to find the issue growing larger. 

6- On my credit report 2 completely separate bank accounts were combined as one. XXXX and XXXX  XXXX ( XXXX XXXX ). I could not make any sense of these two credit cards were opened years apart and XXXX had been closed several years ago. I also couldnt find any statements related to XXXX  XXXX so i called XXXX XXXX and XXXX and XXXX with no luck. 

7- On this day, i found that both XXXX and XXXX XXXX were entirely removed from my credit report as if they never existed. 

8- The initial reason i made all these calls before deciding to report is that i had assumed there to be some form of misunderstandings as both American Express and XXXX  XXXX had been closed as a result of my recent divorce. 

9- Macys tricked me into believing my account had been closed during a few times i went to shop there without my card but with the provided drivers license and SSN. I was told my account was closed but i knew i had paid it off so I figured it was just their decision as I had similar experience with my Rooms to go account. I later discovered that the macys account had been opened for months with recurring charges and then closed! 

10- I had been instructed that i can freeze my XXXX through a local social security office And i did exactly that and even received a confirmational email of the freeze. This happened on XX/XX/XXXX at XXXX ( I scanned the ticket number XXXX ) however the email associated with this visit was hacked and i no longer have access to it. 

Note : XXXX XXXX XXXX XXXX was closed late XXXX or early XXXX no actual information specific to this account shows on my credit report. 

XXXX claim number : XXXX
Product: Credit card

Opened a Bank of America card with and old address of mine XXXX fraud Opened in XXXX? 
Alerted me XX/XX/XXXX and said I didnt have that card. 
Called me again today XX/XX/XXXX and told me more information. 
They said theyd send me a Fraud statement to Mail and return Claim number : XXXX Spoke to XXXX
Product: Credit reporting or other personal consumer reports

The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX  with account number XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX with account number XXXX