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

An collection item was placed on my credit on XX/XX/21 and my score immediately dropped XXXX points. On or about XX/XX/XXXX, the item was removed from my credit report but my score, according to the app, hasnt moved in the upward direction. I called Experian and they stated my score did increase and to delete the app and reinstall, which hasnt changed anything on my score and was just a tactic to get my off the phone and show as a issue resolved for that representative. 

Credit Bureaus really need more oversight and monitoring by the federal government. They are receiving financial incentives from either the collections industry or creditors to treat the American people and our credit like XXXX.
Product: Credit card or prepaid card

Used my bankruptcy and the fact I am on a limited income ( XXXX ) against me to deny me a store card. All I needed was a {$300.00} limit. I handle my other cards just fine and in fact they are all paid off. Citibank has always been prejudice to those who are on medical XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to BK OF AMER XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BANK OF AMERICAs customer service representative.
Product: Debt collection

This is addendum to complaint # XXXX. 
The name of the firm : ASGRecoveries.com. 
I received a voicemail from from XXXX ( XXXX ) XXXX asking me to call them to resolve a past due debt was in collections. ( All of my bills are current and my credit is in good condition. Additionally, Ive no past due bills. ) I called the telephone number and got a message saying that I needed to resolve the problem with the law firm. 
I also received a text that is also attached below.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 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 My only name is XXXX XXXX XXXX. My only address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX.
Product: Debt collection

I received a call from someone trying to serve me paperwork on a debt, they left the contact information. I called the number I was provided XXXX and spoke with XXXX XXXX. He verified my SS # and date of birth. He proceeded to tell me about some debt from 2011 that I owe {$1400.00} on. He never informed me that this was an attempt to collect a debt. He stated to me that they are persuing legal action and going to get a judgement against me. I asked him several questions about the process. XXXX did n't want to answer my questions and was rude in his response and tone. I tried to verify what address they had on file for me and the address was in a state I have never lived in. He said it didnt matter they would still get a judgement against me even if they dont have my correct address. I told him he didnt need to be rude to me as I was just asking him some questions
Product: Debt collection

I went in to pay off a Syncrony loan as of XXXX XXXX ( best I can tell ) the loan was through Lowes which I did not sign up with. That balance was {$2200.00} It defaulted from Lowes to a Syncrony acct ending in XXXX. I have no other acct # as you do not get a statement from them. Just a late notice by text. So I thought it was paid off. At that time I paid 3 others ( lowes via Syncrony ) off. 
The other payoffs went through. On XX/XX/year> I got a text saying it was past due. So I called and paid it off with an agent. I asked her to look and see that it was set for payoff same day as the others. She of course could not tell. So I asked for a removal of the {$25.00} late fee. Refused to do it even though it was obviously a elec issue on their system 's end. 
They refused & offered no excuse that it could be their system because no one else complained. 
It is not just my {$25.00} but can you imagine how many others get bilked because of the time it takes to complain.

Syncrony is getting away with this because of their lack of systems being efficient!
Product: Mortgage

My complaint is with PNC Bank. I've had a HELOC with them since XX/XX/XXXX and banked with them since XX/XX/XXXX. 

My concern start in XX/XX/XXXX, when they implemented a " new '' system. Since inception of the HELOC, I've had autopay and periodically submitted additional " Additional Principal '' payments, without problem. 

XX/XX/XXXX, a normal payment of {$560.00} was recorded with {$330.00} going to principal and the balance going to principal. And on XX/XX/XXXX I sublated an online additional principal payment of {$5000.00}. A couple of days later and saw my additional principal {$5000.00} was broken up into a {$560.00} payment and {$4400.00} additional principal payment. So, I called PNC Bank and asked the loan servicing department to fix this situation. I was forwarded to a dispute resolution department and they told me the new system had problems and they would fix my loan. 

XX/XX/XXXX, no autopay was deducted and I called to make sure they took the payment. I told them that there was plenty of money in my checking account and they should fix this so I wasn't charged late fees or wreck my credit. They said OK and would have things fixed soon. 

During XX/XX/XXXX, I called several times and even went to my local branch to have this problem fixed, but it wasn't. My local branch was cooperative and understood my concerns. They even called ( on my behalf ) and emailed the Customer Resolution dept. Also, during XX/XX/XXXX I started receiving calls from the PNC Loan Department stating that they wanted to collect on my delinquent loan account. I spoke with a supervisor and he said he make a note about my situation and I wouldn't get any more calls, but I did. On XX/XX/XXXX it looks like PNC credited my loan with the XXXX to " other '', not principal or interest. And what happened to the other {$560.00}? I was told it's still in work. 

XX/XX/XXXX my account was credited with a {$560.00} payment but the principal was only {$130.00} and the rest to interest. I called again and told that payment was being backdated to XX/XX/XXXX. So, I said if that's the case the principal and interest needed to be fixed to accurately reflect. I was told it would be fixed but, to date it hasn't. Additionally, on XX/XX/XXXX the took a payment of {$530.00} with {$290.00} going to principal and the rest going to interest. 
I thought
I may be on my way to becoming whole, but on XX/XX/XXXX {$570.00} was auto paid to " other '' and not Principal or Interest. 

My local branch has been cooperative and they've requested a daily accounting of my loan info from XX/XX/XXXX to present. This is the only way to ensure I'm being credited for payments. 

Additionally, during conversations with the " Resolution '' office/department, I was informed that in the future ; " if I want to make additional principal payments, I have to make them at the local branch and they have to be submitted on the date that they deduct/credit my autopay. '' " This is the new system. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor nor this debt collection agency and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

The account XXXX XXXX for {$950.00} with the balance date ( XX/XX/XXXX )??!?!?!?! And Kohls/XXXX for {$600.00} I have never had a Kohls account nor have I opened a card or left a balance of anywhere near {$950.00}.
Product: Credit card or prepaid card

I was paying monthly my Citibank Credit Card over the phone. The last time I spoke to someone, around XX/XX/2018, I asked the customer service representative to set up auto-payments on the account so I did not have to call in every month. It was also hard to know what the balance was, the due date, or remember how much needed to be paid, as all of my statements since XXXX have come blank with only the XXXX  XXXX, Customer service number and account number. There is NOTHING on the paper underneath the heading information ... It was my understanding that he processed that request and set it up so my account was on XXXX. 6 Months later, the collection agency is calling my BOYFRIEND, who I did not authorize them to call and have no clue where they even got his number, about my account saying it's in collections. I immediately called the collection agency back and made a large payment of about {$450.00} on the account, and set up weekly payments on the remainder. I called the XXXX account inquiry number today at XXXX & was told they " cant even open '' my account, they wont even attempt to listen to what my questions are, before they transfer me to the recovery department. The recovery department tells me they can't do anything but see the amount i owe and take a payment in full because my accounts closed and that if I need help to call the collection agency. the collection agency tells me I need to speak to Citibank. NO  XXXXNE will help me, give me the information to get help, etc. I specifically asked XXXX of the recovery department XXXX if there were agencies to file complaints regarding credit card fees, and he refused to give me the information and stated he himself would take a complaint but wasn't going to do anything about it. All i am asking for is for the {$250.00} in Late Payment charges on the account to be removed, since these were billed in part due to the error of the CSR at Citibank not setting up auto-pay when i had asked, and I am willing to pay the remaining balance of over {$700.00} in full immediately.
Product: Debt collection

Received a call from someone calling himself XXXX XXXX who stated I had a debt in the amount of over {$2000.00}. I told him I did not know anything about that debt and he proceeded to tell me I did know about it and that they had spoken to me several times and that he was going to state that I said I had no intention on paying the debt. I tried to explain that I had no idea of a debt in that amount and he proceeded to hang the phone up on me. I later called the company back and they told me he was combining multiple debts and quoting me one single amount from multiple debts.
Product: Debt collection

I have contacted Americollect Collections after getting a credit notification about negative information on my credit report. Americollect Cllections does not have any contracts with me. After making contact with the listed creditor, who did not verify that I owe Americollect any monies for any services at all. The company did not remove the fraudulent accounts from my report. Americollect Collections is reporting the same account with different figures. 
Americollect {$330.00} Americollect {$160.00} Americollect {$160.00} Americollect {$160.00} Americollect {$150.00} Americollect {$150.00}
Product: Debt collection

Representatives continue calling to speak with an employee of this company through our business phone line and have been told that employees can not use the business phone for private calls and to cease calling. Calls have continued despite repeated conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letter have been sent to Experian on dates below : Experian - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120 Days i have not received any response or report of investigation. I feel like i am been taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. 
Furthermore Section 611 ( a ) ( 1 ) ( A ) of FRCA Law states clearly that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. it has been over 120days, so they should be deleted immediately and promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried reaching out to Experian to correct my information every way possible. I was unaware that it hadnt been corrected. My oldest line of revolving credit is missing and Experian keep reporting a XXXX account delinquent that is in litigation. I have informed them of this and nothing has been done. When you call, there is no way to speak with anyone, but the option is there and it just hangs up regardless of which customer service number you dial, same outcome. Nothing- my other 2 credit scores are almost 700 this one is over 100 points below what it should be, this should be illegal.
Product: Debt collection

The company was contacted via mail and informed to cease communication after not property validating a purported debt. The company received the notice and still contacted me attempting to collect.
Product: Credit card

Refer to the attached documents. I request an investigation into these accounts, as I am consistently on time with payments, yet they are erroneously reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I signed up to get my credit report through Equifax for {$1.00} for a 7 day trial because the application for a business loan required it before they would submit my loan request. I cancelled that service as soon as I got the report. Somehow, I was signed up on another account and was charged {$29.00} for another credit report, without even having an email address or password. The only information I found on this was on my computer the website credentials preserves my passwords with each website. They charged me {$29.00} for the month of XXXX in spite of the numerous cancellations that they should not have been charging me for I did not authorize this payment, I want this other account closed and I want a refund on the {$29.00} plus the service charges incurred by going over my credit limit because of this bogus account, {$38.00} for over the limit fee on my XXXX Credit Card, so that is {$67.00} Equifax owes me. Also because this transaction put me {$5.00} over the {$400.00} credit limit I lost 28 points on my credit score because of this too. What I want Is A refund, any account cancelled that Equifax has with my social security number on it and compensation for the charge fees on my credit card due to this bogus fee. I also want the 28 points lost from my credit score. I have documentation of the charge to my credit card and that this one transaction caused me to exceed my limit, thus incurring a service charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were unauthorized without consent. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I always deposit my benifit check using mobile app now on XX/XX/XXXX bank debit {$1200.00} from my account reason not clear and when I call o been harres by bank employee and for that I was going through XXXX XXXX  they call me a fraud also by taking that money from my account herd my credit score also they change the data on my mobile checking account, violate invite my privacy
Product: Checking or savings account

Constantly chase bank witholds my information to  XXXX , a payday app.. they donot give my oayday infirmation as it has to be done they give it too late resulting in me not being able to borrow from my check, ive called chase in numerous occations asking how this can be fixed and i never get a deffinitive  answer. Please push chase bank into updating my account info with  XXXX  so i can live at peace.. thank you !
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged over XXXX from XXXX XXXX XXXX. 

XXXX admits that they do not know exactly why my bill was so high and that they don't have an itemized bill they can provide. Ive been on 3 way with a capital one agent who heard them admit such and they have still continued to try and collect on a debt that can't be verified. They also continue to report to my credit agency knowing the information provided about my amount is inaccurate,
Product: Credit reporting or other personal consumer reports

You were advised to remove the account XXXXXXXX XXXX XXXX from my credit report due to inaccurate reporting. I do not have a debt with this collection agency and the original creditor has no record of this account. You were also sent proof that my personal information was involved in a data breach, and you were sent a XXXX report and failed to delete this account. XXXX and XXXX have removed this account, and it is a violation to continue reporting this information. I have attached an invoice for the violations of your company. This account is to be removed and payment remitted to the address on the invoice within XXXX days.
Product: Credit card or prepaid card

i closed my account about 2 years ago. i applied for reduction of interest and they enrolled me for one year automatic payments. it expired this XXXX 2018. 
i add to my monthly bill so that interest will go down but despite me doing increases in payments ... they continue to increase the interest even if the balance decreses. 
i stop calling them because they are NOT INTERESTED IN HELPING CLIENTS. 
they just need MORE MONEY TO THEIR POCKET..GREEDY BUSINESS PEOPLE
Product: Credit reporting or other personal consumer reports

I recently went over my credit report and noticed several entries on my credit report, which reflect closed, charged-off accounts with statements such as " Debt has been canceled by credit grantor. '' Upon reviewing my credit reports from Equifax, XXXX, and XXXX, I have identified significant inaccuracies across multiple entries, including mismatched or incorrect dates for account opening, closing, and last activity. These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and, in some cases, raise concerns under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ].

Under my rights pursuant to the FCRA, I request that you : Conduct an immediate investigation into these accounts and provide written confirmation of their accuracy, including validation of all reported information. 

Correct any inaccuracies, including but not limited to : Consistent and accurate opening and closing dates. 
Consistent and accurate dates of last activity. 
Remove any unverifiable or inaccurately reported information from my credit report. 


Under my rights pursuant to the FDCPA, I request that you : If these accounts have been transferred to a third-party collection agency, I request validation of these debts under the FDCPA. Please provide : Documentation confirming that each debt was validly charged off and canceled by the original creditor. 
Clear information regarding the current status of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to dispute item ( XXXX  ) on credit file because information provided by creditor was either inaccurate and/or incomplete. Credit Reporting Agencies would not honor my request. The agencies ( Experian, XXXX  ) would update the account with no information provided by the creditor, reporting the exact same information that  existed before my dispute. 

The agencies are not in compliant with FCRA which requires them to re-dispute information that is incomplete or inaccurate on a consumer 's report. They have ignored my written requests online and via mail.
Product: Credit reporting or other personal consumer reports

This information is not mine, it does not belong to me and I do not want it in my report. 

XXXX XXXX, XXXX. - XXXX - XXXX
Product: Debt collection

The company involves XXXX XXXX XXXX XXXX XXXX. Georgia . I have paid there bills through numerous collection agencies and they seem to be repeating themselves. I have not been to an emergency room in a year. They're recent collection agency is : Elevate Collections XXXX XXXX  XXXX XXXX XXXX, TX XXXX It's beginning to feel like extortion! Every time my credit score seems to improve I get a collection notice from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX