23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the dates below : 30 days late as of XX/XX/2018 and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

All reference credit reporting agencies are illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have these accounts Investigated. The account numbers are : 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 ) By law XXXX  XXXX and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.
Product: Checking or savings account

Around beginning of XXXX I noticed an unauthorized XXXX payment of {$1500.00} made from my Wells Fargo account and immediately called the fraud department to start a claim. The claim department gave me temporary credit of {$1500.00} while the investigated the matter. However, after a couple of weeks they declined my dispute and took the temporary credit back. I called the fraud department to ask them why they declined the dispute as I did not authorize any transactions and the lady told me the transaction was authorized by me on a device that had a passcode. I told her respectfully that there was no way that was me as I did not even know who the recipients were and they were XXXX individual people. I asked for a second review and she told me that someone would get back to me within a couple of days but I never received a call back. Every time I call, I get told I would receive a call back within a couple of days but never do. It's been over a month now and I just want to receive the money I lost. If I have to, I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Closure XX/XX/2019, from bank I have never heard of. The reason for reporting was account abuse the amount of the charge off is {$240.00}.
Product: Credit card or prepaid card

USAA continue using old accounts that are including and discharged in Chapter XXXX bankruptcy in 2016. The company continues to use old accounts to determine my credit worthiness or lack thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payment reported for XXXX XXXX I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information was reported on XXXX, they were not addressed in their response. 3 out of the 5 judgement were deleted by Equifax. XXXX and XXXX researched and removed all 5 due to insufficient and inaccurate reporting.. 

Per my Equifax Credit report the following 2 tax liens remainL Reference Number XXXX Date Filed Reported on XX/XX/XXXX {$770.00} Reference Number XXXX Date Filed Reported on XX/XX/XXXX {$2000.00} Please remove the above referenced judgments.
Product: Debt collection

( Transworld systems I ) at ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) has been calling XXXX XXXX and I, in the amount of {$3600.00}. After we ask multiple times to stop calling we had to change our phone numbers XXXX times so we could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature or XXXX XXXX signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX  ACCOUNT XXXX XXXX violated my rights. 

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I wrote a Goodwill Request for Removal for late payment reporting for XXXX. The account was closed by Barclays in XXXX. I remitted all balances due despite XXXX, XXXX, and a death of family membet I was told in XXXX it had been investigated, the late payment history reportingwould be removed within 2 business cycles. I called in XXXX and XXXX and informed it was being processed. It never occurred. 

In XX/XX/XXXX I received a denial letter from Barclays This is an absolute disgrace when I was assured verbally three tinws on a recorded line it woyld be completed due to Medical and Goidwill gesture. It is documented Barclays have extended this to others despite their form letter.
Product: Mortgage

We discharged A Mortgage in a Bankruptcy in 2007 with PHH Mortgage in 2007. We never reaffirmed the Mortgage. The Mortgage company has placed an adverse action after 5 years later on my credit when they proceeded on a short sale to dispose of the property.
Product: Debt collection

Account Name : KOHLS/CAPONE Account Number : XXXX Date Opened : XX/XX/2015 Balance : Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Global Lending Services has reported inaccuracies on my credit report and this erroneous account should be removed immediately. Auto loan companies, Global Lending Services in particular, do not offer terms of XXXX months. As you can see attached, Global Lending Services is reporting that I had a XXXX  month term with their company. This is FALSE. This company is reporting inaccurate information to the 3 major credit bureaus which is violating my consumer rights under the FCRA. I am demanding that this account be removed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I called today, XX/XX/year> about a Lending Company used by my Dentist. This is regarding of outstanding balance to be paid used by Dentist for the total charge of XXXX} which was already cancelled, therefore, no service has been rendered. 

Transunion Credit Bureau has a number to call from their Website but to no avail for this hijacked by another company who does services in repairing your Credit Report with fee. 

Eventually, I got the correct number but always holding your call and worthless answer that has nothing to do in removing my bad credit report. It looks like nothing at all and in favor with the Lending company who reported me for delinquent account.
Product: Debt collection

I called Kimball & Tierey in response to a letter to collect a debt. I was previously being garnished. I no longer work at the place I was garnished at but I did not want this debt on my credit history so I called to setup a payment. The following conversation occurred : I was not given a disclosure of the attempt to collect a debt. I called the line and spoke to a receptionist who then transferred me to an associate by the name of XXXX. 
Me : " I would like to re-establish payments for my debt I was previously garnished on. " XXXX : " Verify your first name and last XXXX of your social. " Me : *verifies the information* " I want to setup a voluntary payment '' XXXX : `` Ok, what are you looking to pay? " Me : " Well right now I can definitely pay {$30.00}. " XXXX : " You can go ahead and submit a check or mail payments to us but {$30.00} a month would not be recognized as a formal payment that you could pay online. So if you send in whatever you can afford we can credit your account, we ca n't give you a receipt but if you do not set up a formal payment of no less than {$100.00} we can pursue informal collection. " Me : " So let me see if I understand, I am trying to make good faith payments you 'll accept them but if it 's not {$100.00} or more you will pursue garnishment if I get a new job? " XXXX : " Yes, you will be garnished. Sorry, just being honest. {$100.00} is our base formal payment. " Me : " ok, thanks. Just wanted to clarify. Goodbye. " Also, this debt is no longer reported on my credit history. It 's been 10 years and believe it 's beyond its statute of limitations.
Product: Credit reporting

I have disputed and sent copies of paid in full information to Equifax / XXXX and XXXX showing proof of payment, and all companies with the exception of Equifax has updated there records. I have been attempting to reach them to get this reported correctly for several months to no avail each time I make an attempt, I get an offshore rep from another country I can hardly understand and nothing gets done. I 'm needing them to please correct this information..
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXXXXXX XXXX  Balance {$64.00} ; XXXX XXXX XXXXXXXX XXXX  Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

For Avant credit card account# XXXX
For XXXX XXXX XXXX XXXX XXXX  account# XXXX  
Per consumer law, a corporation cannot report transaction history: Amounts, late payments, non late payments, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained numerous times to XXXX  XXXX XXXX about a debt that was opened fraudulently. They sent me paperwork showing balances which are not mine. I have written to them and sent them letters and have tried to dispute with three credit bureaus with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and discovered several accounts in my credit report that appeared too not have been mine, i contact the companies trying to find out how they got my information and why they were reporting negatively to my credit report they were not having they just wanted me to pay for something that is not mine realizing i was not getting anywhere with them. i made a fraud report with the identity thief at the web site ( Will add report ) in accordance with the fair credit reporting act XXXX  the accounts have violated my rights 15.us1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. I would like to have these account listed on my report to be deleted of my credit report permanently not to be returned.
Product: Checking or savings account

Late last year I received money from a sale of a company that I had stock ownership. I opened a high interest yielding savings account with Citi and transferred $ XXXX from my XXXX  checking into the Citi savings. A few days ago we went under contract to purchase a new home and I needed to access $ XXXX from the Citi savings for the earnest deposit. I was unable to transfer anything more than {$500.00} out of my Citi savings and when trying to transfer $ XXXX ( the stated daily limit for the Citi account ) I received a security error message and was directed to Citi customer service. After hours on the phone, all I could get from multiple people is that my account is under review and that they'd get back with me within 24-48 hours. I waited three days with no response and no ability to access the money I needed. When I called back, I got the same response -- account is under review, we'll get back to you in 24-48 hours. At this point, I'm days from closing on a house where I must have access to my money, and if I don't get it, I will incur major losses. No one in customer service at Citi has been helpful. I've wasted hours with them. I'd happily work with them to validate myself or where my funds came from, but instead, I get no feedback, and no answers. A terrible banking experience that if not resolved immediately will lead to much bigger issues.
Product: Vehicle loan or lease

Ally Financial is overcharging for late fees for monthly automobile payment. Late fees are supposed to be 5 % of monthly payment and they are charging {$71.00} which is almost double. This is in addition to other things they are charging on my account and then can't explain or justify. 

I don't know what they did during the Covid when people requested deferments. This is flat out ripping /scamming customers off and taking advantage of them especially during the time there was a national crisis.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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

On XX/XX/XXXX I mailed a certified letter to Transunion. The letter was regarding disputes for unauthorized credit inquiries. I requested an investigation for about 18 inquiries in XXXX. I received a letter instead telling me to write to each company separately to report unauthorized inquiries instead of Transunion doing an investigation and checking the validity of the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my account consumer credit card was closed by XXXX XXXX, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. 

Equifax updated the charge off status to XX/XX/XXXX resulting in a XXXX point XXXX  drop this also put me in a different credit bracket reulsitng in a higher interest rate. This happens to be a constant reporting error, and when this is reported if reflects to lenders that I have a recent late payment which will deny credit and or offer an high interest rate. 

I am demanding a complete removal of reporting from Equifax. The account was closed more than 7 years ago, and it was sold to fives years ago. I will take the removal as a fair exchange to stop legal consequences for Equifax action of continually validating and reporting incorrect data.
Product: Checking or savings account

There some checking account that was open under my name fraudulent account now they charge me for them
Product: Credit reporting or other personal consumer reports

Was denied equal opportunity to credit & lease a new apartment with company " XXXX '' after " Appfolio '' did a credit background check. Adverse action has been taken against consumer due to inaccurate and false credit reporting. 15USC 1681b experiences and transactions may not be reported. 15USC1692 e CRA 's may not take adverse action causing harm to the consumer. I am now facing homelessness, hardship, and mental instability, humiliation. Deceptive forms are being furnished 15usc1692j harming consumers credit worthiness.
Product: Debt collection

Hello, I purchased a washer and dryer from XXXX XXXX XXXX in early 2021. The dryer had problems from day 1 with the door opening and barely drying clothes. We checked the exhaust vent but that was not the issue. When we went back to the store and told them we wanted a replacement for our faulty dryer, they told us the only option was to send out a repair technician and have them look at it. We refused and said we wanted a new one, but they told us the only way to do that was to return them, paying a 15 % restocking fee and buy new ones. As a result of this outcome I decided I was not going to do business with conns and elected to return them and buy a washer/dryer elsewhere. Unfortunately this was only the beginning of my nightmare. 

I moved forward with the return and had conns pick everything up from my house. We went to the store here in XXXX and spoke with the manager, who gave us a strong attitude about the fact we were returning these appliances. Regardless, we moved forward and paid the restocking fee. He also notified us we had to pay for the hoses as they could not take them back. We accepted and paid a return fee. 

Months later I started suddenly getting harassing phone calls from XXXX  picking up the phone and directly getting to the point telling us we owe a balance of over {$1000.00} and asked me how Id like to pay. I refused and opened a case with XXXX  where they told me it would be investigated. No one ever called me about the case, but they had no problem continuing to call me about a fictitious balance. Months continued to go by with no resolution to this case. We have several phone calls recorded where conns employees admit that in our account notes our account should be closed long ago. 

Skip ahead months later and Im now being harassed by collection agencies saying we owe over {$1400.00} to XXXX. I started a 3 way call with both of these companies which I have on record and will display as evidence as needed. The XXXX  employee admitted once again that this account was supposed to be closed and the offline team will need to take a look. Again, we have this on recording too. 

I never got the phone call from the offline team, but I finally harassed them on their web chat for someone to look into my account further. They were very rude to me however I finally got them to admit that my account is supposedly not closed because of these 2 XXXX hoses that we were told could not be returned and were being paid for as part of the return. This is absolutely ridiculous as these were {$20.00} hoses and they should have been clear that this was the issue from day 1. The balance has been over {$1000.00} and increasing as they continue to charge me late fees. This company must be stopped, as they are thieves and conn artists ruining my credit and my ability to get a house for my family. If this continues much longer I will be seeking legal action for damages to my credit and well being.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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
Product: Debt collection

Resurgent continues to send me emails about an account that does not belong to me and also one that I have never had. I have asked that they take me off the list, remove my email and even attempted to block them but the emails continue.
Product: Debt collection

I have tried numerous times for the past year to call this company and pay the debt. I have left voicemails with info and call back number. I never receive a return call. It has been over a year trying to contact them.
Product: Credit reporting or other personal consumer reports

I've recently reviewed a copy of my credit report and noticed that they're several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to the credit bureaus. The reality that these items continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries and inaccurate addresses listed below : XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I wrote TransUnion about an account that is improperly and inaccurate and with old information. 

1. I sent a letter to XXXX Loans with the address that was provided on my credit report from TransUnion, a few days later I received the letter back because it was undeliverable. 
TransUnion is not allowed to report anything they know to be false including addresses. I disputed the item/account and it is still being reported on my TransUnion Credit Report inaccurately. 

2. Given that the furnisher ( XXXX XXXX  ) has provided false information to TransUnion about me, and provided TransUnion with a false address, I am demanding that the item ( XXXX XXXX  ) they are reporting be removed immediately.