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

This is my several requests but still, the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXX Balance : {$260.00}
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit card or prepaid card

I had applied for a received a credit card intending to transfer a balance from one card to this new one. I called on XX/XX/2021 and spoke with a XXXX XXXX who told me they could provide an indirect balance transfer as they could not transfer directly ask Citibank owned both cards. I was told to buy something and make a payment. Once the payment cleared, I was to call back to process the indirect balance transfer. I placed a payment on the account for {$50.00}, waited for it to clear and called back. I was told the promotion that they offered me was no longer available and they couldnt go against the system. I was told that I was misinformed regarding how quickly things needed to be done, but I was never given a deadline. So now Im stressed before starting the new year and figuring that I need to sell the XXXX presents we have to provide.
Product: Credit card

There were transactions that showed on my Discover credit card ending XXXX statements starting from XXXX of XX/XX/year> from XXXX XXXX that I did not purchase and authorize. I am not sure who used my credit card for these transactions. 
During the time these transactions were happening, I was preoccupied with a family emergency involving my child, which required my full attention at the hospital. This unfortunate circumstance led me to overlook the recurring charges, which I had neither authorized nor initiated. 
But I figured out that some fraud was happening with my account by end of XXXX, and I blocked my Discover credit card immediately. The fraud team mentioned that they will inspect and will get back to me. Potentially I got a new account number and got a new card by end of XXXX. 
After inspection the Discover team mentioned that these were manual transactions and that they have been recurring transactions and that they can not help anything with this fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not allow its members to cancel their memberships online. You have to call their XXXX  number, where you're placed on hold for about two hours before you can finally speak to someone. I've tried waiting on hold multiple times to cancel, but have been disconnected each time. They obviously do this to force people into giving up, and continuing to pay the monthly fee. Below is a link to a consumer reporting page with over 1300 complaints like mine.

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has 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 a account without my written instructions
Product: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit report from XXXX XXXX on XX/XX/2018 in the amount of {$2700.00}. First and foremost, I have confirmed that the debt collector XXXX XXXX is not licensed in the state of Florida to collect on this debt. Secondly, XXXX XXXX violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$2700.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that XXXX XXXX provides me with competent evidence that I have any legal obligation to pay them. I asking that XXXX XXXX to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statute of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand XXXX XXXX immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand XXXX XXXX agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that XXXX XXXX agrees to remove my personal information from all accounts in its companies database.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$910.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1 THIS ACCOUNT DOESN'T APPEAR ON XXXX. It needs to be ADDED. 

# I've had a mortgage with UBT since XX/XX/XXXX that is not appearing on XXXX  or TRANSUNION although UBT claim to have reported it to all 3 Bureaus. It has not appeared since XXXX. In my last complaint with UBT, I was told by them, the reason XXXX  could not report it was due to my name needing to be changed to " XXXX '' which I promptly did even though the credit with this account had always been set up with XXXX. However, even after doing this, it still does not appear on XXXX. 

# AFTER I contacted XXXX about this issue it was promptly investigated and fixed. XXXX investigation of XX/XX/XXXX reported ( see attachment ) A maximum lates in XXXX and XXXX to be 90 days. XX/XX/XXXX 's visual depicted XX/XX/XXXX as CURRENT - PAYING AS AGREED. Today, UBT is reporting a late payment in XX/XX/XXXX which is NOT THE CASE as the account has been current for the last 12 months since XX/XX/XXXX. In XXXX, it will be 12 months since it was ever late. 

# 2 ISSUE - THE BILLING STATEMENTS ARE WRONG. They do not reflect the 15 days of grace pursuant to Federal LAW but instead only allows for. 10 days of GRACE. 

# 3 ISSUE - THE ACCOUNT IS WRONG IN ITS ENTIRETY. 
Since XX/XX/XXXX, I have paid an additional {$10.00} along with the {$690.00} and instead of the balance going down it appears to going UP as it states as of today to be {$32000.00} when the balance was {$31000.00} in XX/XX/XXXX as reported by XXXX. 

This account was late as depicted in XXXX  's investigation as ( XXXX ) ( i.e., XX/XX/XXXX ). If this were the case, the late payments should only be a TOTAL of {$900.00} ( XXXX XXXX ( XXXX ) / XXXX x XXXX ( XXXX ) = XXXX / XXXX x XXXX ( XXXX ) = {$310.00} -- a TOTAL OF {$900.00} NOT {$2000.00} that is currently being reported ). FURTHERMORE, if the late payments are being calculated after 10 days instead of 15, then this would change the late payments entirely. 

As it stands, I want this account to start reporting to XXXX correctly. I would like to receive the entire history of this account from XXXX to the present immediately so that I can have my accountant go over it with a fine tooth comb to correct any late charges that have been assessed erroneously, and the BILLING STATEMENT CORRECTED TO REFLECT A 15 DAYS OF GRACE as prescribed by federal law. 

# 4 ISSUE - UBT HAS NOT GIVEN ME THE REQUESTED HISTORY FOR THIS ACCOUNT. 
I have requested the entire history of my account from XX/XX/XXXX that I have NOT received # 5 ISSUE - THE MORTGAGE BILLING STATEMENT IS WRONG I requested that my Mortgage Billing Statement be corrected to show a grace period of 15 days. and for this account to be ADDED to my EQUIFAX file. It has not appeared since XXXX. XX/XX/XXXXinvestigation shows the following XX/XX/XXXX as XXXX. # Based upon the erroneous Billing Statements, I do not believe that this account was ever 7 Tims 30 days late ; 5 times, 60 days late 5, or, 2 times, 90 days late. 

# THE END
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found errors in my personal information that need to be corrected. I am requesting the removal of any inaccurate name variations, addresses, and phone numbers that are not associated with me. As required by the Fair Credit Reporting Act, my credit report should only include accurate and verified details. I kindly ask that this matter be resolved promptly to ensure the accuracy of my report and prevent any potential issues.
Product: Checking or savings account

On  XXXX / XXXX / 2017  my cell phone company,  XXXX , withdrew {$70.00} an automatic payment from my checking account ending in #  XXXX . There was a remaining balance of I believe {$1.00}. Then the following d ay Wells Fargo returned th at payment and posted those funds back into our checking account. Now having {$71.00}. I withdrew {$25.00} and purchased a couple of items from a local supermarket on  XXXX / XXXX /2017. Then  Wells Fargo B ank reposted the amount charged by  XXXX  in the amount of {$70.00}, which therefore now left me in the negative balance. Then the following day on  XXXX / XXXX /2017  Wells Fargo Bank c harged our account for an overdraft fee of {$35.00}. This overdraft fee I believe is not a just fee, since the bank was the one who withdrew the funds without advising that these funds were going to be withdrawn. We had the amount in the account for these fee 's and were able to cover the payment had they not removed it. If they had advised us these fees were going to be withdrawn then reinstated then the following day we would of not withdrawn the {$25.00}, nor done the purchase at the local supermarket. If you see I made another payment of {$50.00} on a different account fro m Wells Fargo B ank with  XXXX  and these funds were not withdrawn the following day. I spoke with  XXXX  and they had told me they received the funds on  XXXX / XXXX / 2017  and never reposted the funds back into my account to withdraw it the following day. The confirmation number they gave me if you need it is the following confirmation #  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXXXXXX  I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX  2 LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXXXXXX   Credit limit {$200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. Account info Account number 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 - PAYMENT HISTORY LEGEND Status Open. Status updated XX/XX/XXXX Highest balance {$2300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXXXXXX XXXX  Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX  XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over two years ago I contacted XXXX regarding my account with GM FinancialXXXXAmeriCredit that was opened in XXXX. This account had many delinquencies that began in XXXX after my brother passed with no life insurance resulting in me taking on responsibility for a funeral debt in addition to other personal issues that ensued me from fulfilling my obligation to make timely payments to GM Financial/AmeriCredit . Fast forward and almost 10 years later, this account is still on my credit report to negatively impact my credit. 

I paid GM Financial/AmeriCredit every cent that I owed them which included all the exorbitant late fees for their harassment in XXXX. I disputed the presence of this account still on my credit report with XXXX and GM financial about two years ago to no avail knowing that the fairness of " up to 7 years from the date of first delinquency '' would mean that the account could be removed now or at the latest in XXXX. However, I was met with resistance and fraud on the part of both XXXX and GM Financial/AmeriCredit and there was nothing I could do but continue to suffer the consequences of the negative reporting. XXXX reports " Data Unavailable '' instead of what should have been a late payment. I'm sure they know this because I brought it to their attention. And just last year XXXX was reporting 3 more late payments than they are this year ( a provable fact ). Now the late payments on my report for the months of XXXX, XXXX and XX/XX/XXXX are filled with dashes ( - ) to indicate " Data Unavailable '' when last year they showed " RED 30 Days Late ''. Isn't this FRAUD? This seems to be the same thing they did for the " dashed '' or months showing " No Data '' for the years XXXX and XXXX. Isn't this FRAUD? Isn't this so that this negative reporting can stay on my credit report longer? Does XXXX get paid more for allowing creditors to do this? This is wrong and unfair. 

And when does the " Up To '' 7 years from the date of first delinquency get considered. Who gets the benefit of this privilege? What circumstances allow this? I pray that the Federal Government will come up with a way to ease the burden of this type of discrimination and fraud.
Product: Debt collection

XXXX XXXX XXXX. Got a divorce. Called the company before I moved out of my old home and had it takes out of my name in XX/XX/2014. Apparently they didn't and trying to make me pay for electric when I didn't live at the residence. They said they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I filed disputes with XXXX, Transunion and XXXX regarding an address on my credit reports belonging to someone who stole my identity, used my revolving credit account, made an illegal purchase, and had the item shipped to their address in Texas. Now that address shows up on my credit report. I disputed that address in XX/XX/2017, I was assured by all three companies that the issue was fixed but it was never fixed. I just logged on to my XXXX account and checked my credit report. The Texas address is still there. All of the credit reporting agencies made me jump through hoops to get a police report, a letter from XXXX ( the revolving credit company ) and complete pages and pages of applications and online forms. I don't have time to keep doing this and nothing getting accomplished. I have been denied credit and almost arrested for fraud because when I completed an in-store electronic application, it asked me several questions. One was, " Did you ever live at any of these addresses? '' There were four addresses listed, three were just phony addresses and one was the fraudulent address in Texas. So when I answered "  NO '' to all of the addresses, the customer service representative was advised my credit was declined and that I was trying to open a fraudulent account. I had to show my driver 's license, my military ID card, several credit cards and was embarrassed and outraged. These credit reporting agencies DID NOT do their jobs even though I cooperated and provided them everything they asked for. These credit reporting agencies should be ashamed of what they've done to me.
Product: Credit reporting or other personal consumer reports

I filed on XX/XX/year> A complaint regarding my credit to consumer protection, and the XXXX XXXX XXXX. Today makes 32 days and according to the federal fair credit act if disputed items are not proven to be mine within 30 days, they must be removed from my credit report. 

and makes and they need to be removed. 

According to the three credit bureaus, they are still working on my complaint, and they need more time. Thats fine but the federal law says they get 30 days and today is 32 days.! Those credit viewers remove these items from my credit report ASAP so we can be done within investigation thank you. 

Please advise. Thank you. Have a good day. 


Thanks XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Credit Bureaus consumer report and I noticed inaccurate information posted on my consumer report XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Debt collection

this company, Portfolio recovery, calls me every-single-day, using different numbers each time -sometimes as early as XXXX am - these are just a few of the numbers they use to call me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I applied for a loan online. I had used this compan y two years prior,  and I had not realized I had old bank information on the account, so the loan of {$250.00} was sent to a closed account. I realized what happened the next day when the funds were not deposited to my current bank account. I contacted CashNetUSA immediately, and I was told not to worry, the receiving bank would reject the funds, they would get it back, and that loan would be considered null, since I couldn't/did n't receive the funds, and if I wanted the loan still, I would need to apply again after they received the funds back, and I supplied updated bank information. However, the funds were never credited back to my account. I emailed t he payday loan company again, and I was told they never received the money back, so I needed to contact my former bank. I did so, and I spoke with a woman at   XXXX   XXXX   who investigated and told me the funds did attempt to deposit in my old account, but were rejected immediately back to CashNetUSA (   XXXX   XXXX  ). I then emailed this information to CashNetUSA, giving the banker 's name and phone number to verify this. This has been now going on for three weeks, where I continue to receive collection emails, and I continue to answer with the same information. The response I get is that the collections will continue until I pay the money back, ignoring completely that I never received the money, that     XXXX   XXXX   has verified they rejected it back to  CashNetUSA, and apparently CashNetUSA has no intention of tracking down what they did with the funds rejected back to them, but continue to add interest and continue collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

my business applied for credit under my business name and ein and my number should have been used to identify me but it was used in a inquiry another institution in search of auto financing did multiple searches instead of 1