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

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

Hello, On XX/XX/XXXX at XXXX XXXX, i went into the Chase bank located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. I wanted to deposit XXXX  dollars in cash into my friends bank account. I supplied a deposit slip which included the account number and all information needed to make the deposit. I was instructed by the teller after he requested my license that i could not deposit the cash into my friends account. 
I have never heard of that before. I was instructed that only the owner of the account could make deposits. Is this accurate? I have deposited money into other accounts in the past and never had any issues. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. XXXX says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. 
Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
XXXX**IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Checking or savings account

I opened a case with Citi XXXX XXXX team with Citi XXXX XXXX : XXXX. 

My checking account was closed automatically on XX/XX/XXXX by Citibank, and the account had a balance of {$XXXX} at the time of closure, but the closure check issued on XX/XX/XXXX was only {$XXXX}. The remaining balance of {$XXXX} was not included in the closure check, and Citibank stated that the funds were received via a direct deposit in someone elses name. After speaking to a Citibank XXXX XXXX team member, she confirmed that it was a XXXX deposit with my preferred name ( XXXX XXXX XXXX and asked me to request a recall or submit a claim through XXXX to retrieve my funds. 

I initiated a dispute through XXXX on XX/XX/XXXX, but XXXX rejected my claim saying that the transaction ( fund transfer ) was processed correctly. I re-appealed the dispute on XX/XX/XXXX, and they finalized their decision today on XX/XX/XXXX that the funds were successfully sent to the account. I spoke to another XXXX live agent on the same day, and he told me that Citibank has the funds and should issue me the remaining funds, as XXXX is not able to retrieve any funds once a transfer is completed on their end. XXXX could only cancel a transfer if the money hasn't left XXXX 's system. 

The following is the details that XXXX shared with me to hope I can successfully claim the funds : Trace number : XXXX Transaction details : Transfer to Bank ending in XXXX for {$XXXX} on XX/XX/XXXX Displayed name : XXXX XXXX XXXX : @ XXXX Legal name : XXXX XXXX XXXX XXXX : XXXX Citibank currently has my funds of {$XXXX} and I have exhausted all my options in claiming the funds back. I understand that my preferred name does not match my legal name, but XXXX has successfully transferred the funds to Citibank and they are not able to claim it back on my behalf. Citibank is currently holding my funds and must issue me the remaining funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing a late payment from late XXXX on my report that I did not agree with, I began a dispute with Equifax. After a few days the dispute was complete. The result was puzzling, adding fraudulent and untrue information including many late payments in the year of XXXX including 30 and 60 day lates while the car was paid off. I immediately began yet another dispute and contacted XXXX XXXX XXXX to determine why they would do something so despicable and intentionally demeaning. The representative I was connected with spent hours reviewing files, documents, forwarded information, and reached out to the highest of his superiors because of his complete loss of understanding in the situation and why they reported untrue information. I began a conference call with XXXX and Equifax connected, in which did nothing. They asked the Rep no questions, for no files, or insight. They simply dismissed the matter, stating it would get done later. The most angering and concerning thing is the Rep I spoke with the week prior was very aggressive, rude, and dismissive, which created tension the entire call. Prompting me to believe he had something to do with the situation. The incorrect information Equifax decided to report which is different from XXXX, XXXX, and the co-buyer on the account dropped my score significantly and again with no accuracy or merit. The was a complete fail on there part and 100 % defamation of my character and credit worthiness. They also removed all currents and replaced with unknowns, which hurts my on time percentage. I have never seen a situation so baffling from a company that is suppose to ensure updated and correct information. I will most likely be receiving legal assistance in the matter.
Product: Mortgage

US Bank is charging late fees in the amount of {$200.00} after XXXX grant brought mortgage current and was processed by US Bank XX/XX/ 2022. I called US Bank and representative stated that between time of working with XXXX and the payment that fees assessed. This can't be true as late fees would not have been assessed within a months time working with XXXX to payment and even if so would not be that significant a fee during processing time. Since payment by XXXX brought loan current, my first payment is due XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or remove the following items that are harming my credit : 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to ha completely deleted. The FOLLOWING derogatory accounts allegations are either XXXX, XXXX, XXXX INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PR COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and _explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 1116 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these aforementioned derogatory items be investigated and permanently removed from my report. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. Sincerely, Your Full Name " Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests to Experian, XXXX  and XXXX  regarding duplicate and old information listed in my credit report and have not received any corrections to my credit report. I sent these notices back in XX/XX/XXXX, a second request XX/XX/XXXX and a third one  XX/XX/XXXX. It has been several months and I haven't heard anything. I'm not really sure what else I can do so I am submitting this complaint to have the credit agencies remove the duplicate student loans, old collections and late payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX wronglyreporting on XXXX Credit report- {$150.00}
Product: Credit card

Throughout, I've made sure payments on this account are always on time, avoiding any overdue situations. I'm unsure why there are reports of late payments on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Debt collection

Portfolio Recovery Associates, LLC claims I owe a debt totaling {$4000.00}, which was purchased from XXXX XXXX. I have requested, via three recently recorded phone calls, that PRA, LLC furnish financial statements/documents related to this  account. PRA, LLC has refused to do so, denying me the opportunity to examine the specific charges on this account to assess and determine their accuracy. 

Instead, PRA, LLC has sent a generic letter validating the debt and denying any inaccuracies related to their reporting of this debt, which is listed as a collection on my credit reports. 

I recognized that there were numerous charges made to this account in XXXX/XX/XX/2015 in XXXX, TX that I DID NOT MAKE, after speaking with a PRA, LLC call center representative last week. 

PRA, LLC is in non-compliance if the FCRA. If I need to hire an attorney, I will.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Debt collection

The loan originated with XXXX XXXX. It was sold to NCB Management Service. This lender is trying to collect on a debit on that was paid for and settled on already by XXXX directly. My credit report clearly shows that XXXX XXXX was paid, sold to another lender, and then collected the monies owed and settled out the account. Now the 3rd party lender wont remove the same monies for over {$9000.00} that have already been paid for.
Product: Payday loan, title loan, or personal loan

I took out a credit builder loan with XXXX around XXXX of 2022. Its a loan that was $4000, I received 1500 of it up front and the rest was locked In a savings account held by XXXX XXXX I liked the idea for someone like me rebuilding my credit and XXXX was a reliable company with a great reputation so I I felt at ease borrowing from them. Also one of the biggest draws for me was the automatic payments that happened every pay day so that I didnt even have to worry about making payments and they just came out every time I got paid. I wouldnt even notice it. It was going very smoothly. Until XXXX 2022 I got an email from XXXX  saying they sold my loan to a company called SST (systems and services technologies )Which ok, it happens but I had only really heard of that with mortgage loans not with a loan like this. However XXXX assured me in the email that nothing would change, terms were still the same, auto payments would carry over and that my savings would be safe and I didnt have to worry about a thing. 
Well I should have known when I went to create an account on the new companies site and couldnt see any of my past payments made or any other info on my loan (and still cant) that something wasnt right. 
Fast forward to last Tuesday I get a call at work from someone at SST saying Im THREE payments behind on my loan and I owe them almost $300 immediately. What? I explained the email I got that said my auto payments were supposed to be transferred and that I had assumed they had, because silly me why would a bank lie to me? The man who called from SST looked this up and said oh youre right. I am so sorry about that. But they didnt get set up on our end so now youre behind and we are reporting this to the credit bureau

Lovely. I made one payment like I told them I would right away when I got paid but that I cant pay all three at once. That is NOT what I signed up for. I also didnt sign up for a loan at a shady company that calls and harassed me several times a day over THEIR mistake. I never ever ever would have taken out a loan with a company that operates with a website that has about two features , doesnt show me where my savings account is, what payments have been made, nothing.. and that cant get auto payments set up correctly and that just doesnt care and calls and harasses me over THEIR MISTAKE. And XXXX XXXX .. Im sure they knew in XXXX they were going to sell my loan, I should have been made aware so I could have opted out. 
Im not the only one that feels this way. Theres a whole XXXX  devoted to this topic and people talking about forming class action lawsuits. Two companies took advantage of people who already dont have good credit and are trying to rebuild. Shame on XXXX and sst.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion refused to respond
Product: Debt collection

Southwest Recovery located at XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX phone, XXXX. Has bought an account from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and they are saying that I now owe {$1100.00} to the collection agency. This account was paid in full on XX/XX/XXXX in the amount of {$1000.00} and I have my debt settlement letter from XXXX XXXX XXXX as well as receipts showing the debt is paid. Southwest recovery is reporting inaccurate information. I have disputed the debt with the credit bureaus and XXXX is reporting the debt as accurate as of XX/XX/XXXX.
Product: Credit reporting

I recently applied for a credit card through XXXX. I was not approved. I was sent a letter stating that there is a fraud alert on my credit file, and no telephone number for the lender to contact me. I have not initiated a fraud alert, and I do not understand why my telephone number is not available for a lender to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMEDY : DELETION OF SAID ITEM AND PAYMENT OF INVOICE DUE TO FCRA VIOLATIONS for Damage of Reputation, Pain & Suffering, Harassment, Violation of Privacy, Selling of Private information without my written permission, Telephone Harassment ( over 10 phone calls after asked to refrain ) {$100000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law beginning XX/XX/2017, public record data collected for credit reporting purposes including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows name address social security number and date of birth and minimum frequency of courthouse visits to obtain newly filed and updated public records of at least 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is fraud I never set this account up. Once I reached out to the company they were texting with a settlement offer which isn't the right way to get any information. I have never done business with this company and now they are reporting very inaccurate information. With no clear method of verification. No signature loan documents or anything.
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 3 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 XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} Consider this complaint as my follow-up to make sure that the listed accounts are verified immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Here are the fraudulent items : XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$52.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; ; XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$52.00} ; XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$440.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing today to advise you that your agency is in a major violation.I have been doing some studying myself and i have learned that the only person that give consent is the consumer and thats me.you are allowing improper use of credit reporting against what the LAW has written.The consumer controls the credit reporting not the agency.also Late Payments are illegal to report with out my consent.15 USC 6801 It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.I XXXX XXXX XXXX NOT CONSENT to any bank or agency report my consumer report.15 USC 6802BA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.I AM A INDIVIDUAL CONSUMER ..Under the FCRA, a debt collector must investigate any disputes that are made in writing within 30 days. I have disputed this debt in writing, and your company has not responded within the XXXXday timeframe. This is a violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

Please delete my account from my credit report, as it belongs to a closed account
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXXXXXX {$970.00} XXXXXXXX XXXX XXXX  XXXX {$390.00}
Product: Credit reporting

I used Transunion 's web site on XXXX XXXX, 2016 to get my credit report. They asked me to create an account and in the process to provide them XXXX credit card 's full details. I thought it was for the purpose of establishing my identity. 
As it turns out they charged the card {$1.00} for a service that I was not aware I was getting. NOWHERE did I see any message indicating that there will be a charge of any sort. I was basically charged without me being aware that there is any charge. This is outrageous and a deceptive practice. 

I called them to complain and they said " no refund ''. I ended up disputing the transaction with the credit card company. 

On a side note : If I legally deserve a free credit card report once a year, is there a reason why a clear way to get it is not provided on their web site?