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

I was completely taken aback this morning when I found inaccurate accounts on my credit report. I had no clue why they were there! I regularly check my report, but this time I was met with shocking discrepancies that just appeared. I even refreshed my browser, thinking it might be a temporary issue, but nothing changed. Those accounts are still there, and its driving me crazy! I really need the documents I submitted to be reviewed closely so I can put this nightmare behind me.
Product: Debt collection

Received a collections notice on XXXX/XXXX/XXXX from Accounts Management Services ( AMS ) regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX " treatment non transport '' calls on my daughter that Medicaid wo n't cover. The bills were sent to an incorrect address until the accounts were listed for collection and then finally sent to my correct address. I asked if XXXX would retract the collection and they refused. 
The run for XXXX/XXXX/XXXX was AFTER my daughter reached the age of majority on XXXX/XXXX/XXXX. Because I was previously listed as responsible party, the bill is in my name. XXXX at AMS stated they could not remove that account until XXXX separated them. So basically, I can claim anyone as a responsible party and they can pay my bills? This is not right. I contacted XXXX and XXXX was very rude. I faxed both AMS and XXXX the court ordered parenting plan stating XXXX parents must split uninsured medical costs and AMS refuses to abide by the order. XXXX at XXXX stated she would attempt to remove the majority call from my name as my daughter would be legally responsible for that run and that she would attempt to bill my ex husband for his half of the debt. XXXX stated she would contact the collection agency regarding this.
Product: Vehicle loan or lease

I completely paid off my car XX/XX/XXXX. The account was closed XX/XX/XXXX which is stupid. A click of a button takes 20 days. Ive called multiple times regarding my title and have only been dealt a trifling, rude employee after being transferred 5 times just to repeat the same d*mn thing I had just said to the previous person. The company has been a pain since I was involuntarily forced to deal with them. They want you to make payments on time but cant even do their job on their end and take you through all this to get a title. I hate this company and I hope it gets shut down. They get off on making people miserable. This is absurd and ridiculous. This is the last effort Im making. If still not resolved, I will be suing and I wont stop until this trash company shuts down
Product: Checking or savings account

Hi, This complaint is against Citi bank. I opened a checking account and qualified for the promotion bonus. I completed all activities as per the rules of the promotion and now Citi bank is making me wait 30 more days which is was not as per rules. I also received email from Citi confirming that I met all the requirements and promotion bonus of {$400.00} will be deposited in one month. This email was sent to me on XX/XX/XXXX and till today I have not received the bonus money. When I called customer support they are saying I have to wait for 30 more days. Please help resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked for the original documents and signatures to these accounts to verify thats its mine, and was given nothing. Its been 30 days and they just updated. I want these removed from my credit report or Ill have to move forward. 

Accounts Below. 

Account Name XXXX XXXX  Account Number XXXX Account Type Collection XXXX XXXX  Account Name XXXX Account Number Charge Card Account Type XXXX Account Name XXXX Account Number Utility Account Type
Product: Credit reporting, credit repair services, or other personal consumer reports

opened a walmart credit acct. through/with synchrony bank. XXXX credit limit. a series of fraudulent charges were made on the card. tried to reconcile with bank many times over the course of months ... asked them repeatedly to freeze the acct., with no result. finally shredded the card ... four months later i was still getting bills with new charges on the acct. any attempt to deal with them via phone was almost impossible as most of the time i got someone who didn't speak english, or was incredibly rude calling me a deadbeat! i was always polite with them, simply asked for a full accounting of all charges made on the account from day one before i would pay in full yet another time. ( i had done so twice previously ) never received anything except nasty letters or bills. i have a file approx. 2 inches thick letters and bills from them, called dozens of times. not honorable people. i pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately :
Product: Credit reporting or other personal consumer reports

I have contacted Transunion multiple times, and so have my attorney, we have outlined that XXXX XXXX provided false and mispresented information to me in the sale of a timeshare and the account was created under a scam and that the account needs to be removed from my credit. I keep receiving the same results and my credit continues to be impacted. XXXX and XXXX have listened and take the time to see that company has done this many times, no no avail I'm I getting this assistance from Transunion, please help,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I have a student Loan from U.S. DEPARTMENT OF EDUCATION XXXX that is not reporting correctly. My loan was in federal deferment and was not in collections during the XXXX XXXX I am trying to protect the integrity of my credit profile Ineed the collection status remove asap. My loan should not be reporting in collection for over a year. Plus we are still under the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus on XX/XX/XXXX, requesting the removal of unauthorized inquiries I saw on my Credit Report, with complete proof of my Identity. Upon reviewing my updates, incorrect information were reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act section 605b, and continued to report unverified information without providing any proof required by law. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 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 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 card

I've consistently made sure payments are on time for this account, never allowing them to be overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Bank account or service

After conducting some regular business transactions ( wires, check deposits ) TCF National Bank closed my accounts and reported me to XXXX. TCF has not provided any detailed information as to why they reported me to XXXX other than I was supposedly involved in Suspected Fraud Activity. I am now unable to open checking accounts with any Bank. This issue is causing severe challenges with me being able to pay my regular bills and having a basic checking or savings account. I have not been involved in any fraud whatsoever and want my name cleared of any wrongdoing. I have disputed this information with the TCF Bank and with XXXX several times and have not been able to have my information cleared.
Product: Credit reporting or other personal consumer reports

Transunion is the ONLY credit reporting agency that I have to continually talk to a person to freeze or unfreeze my account. Their webpage claims that they are having technical difficulties. This has been their excuse for well over 2 years that I know of. This is abhorrent behavior in a day in age where identity theft is so prevalent. I should not have to give ALL my personal info to ANYBODY. Unfortunately just to control MY credit I have had to disclose this to multiple UNKNOWN people. This MUST be resolved.
Product: Debt collection

There is a " XXXX XXXX '' who repeatedly called me over a 24 hour period when I told him not to. He then called my former employer and threatened that he had to speak to me over a legal issue and that they needed to provide my information including when I had worked there. I called him after they told me he was harassing them and told him to call me directly and not to contact them, and he in turn continued to contact them and sent them a letter asking about my employment there. He continues to contact them and harass them at their place of business after they told him I do not work there anymore. 

His number that he left is XXXX. You can contact me at anytime to confirm the information.
Product: Credit reporting or other personal consumer reports

The following addresses do not belong to me : 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 XXXXThere are also variations of my name that do not belong to me, please my only name is XXXX XXXX XXXX all other names must be deleted immediately from my report. Thank you and I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

The balance on the credit cards have been reduced. The credit card providers indicated that the updates on the card balances were sent to the 3 credit reporting agencies however, my card balances haven't been updated and I need my report to reflect a lower credit utilization since I am applying for a mortgage. The delay in updating my balance is also delaying my ability to apply for a new mortgage.

If I were 30-day late on any credit card payment, the 3 credit reporting agencies would've immediately update my credit report. I am requesting that the credit card balance on 5 credit cards be updated to reflect the lower amount which will increase my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Product: Bank account or service

To whom it may concern, I personally do not want USAA contacting me, but any other agency may. I myself have put many hours into these claims best illustrated here ) by XXXX XXXX co-policy holder ) and confirmed by myself XXXX XXXX, There is much more to this then I can write, I assure you we have witnesses to all events and claims we made with USAA BANK, CREDIT CARD, AUTO and RENTERS INSURANCE. Since end of 2011 I have put over XXXX hours of my life with all this starting with USAA BANK closing our bank account, and putting our credit card in collections, AFTER we not only proved to USAA that we were being idenity theft for several month stretch and finally someone came clean and we found the culprit, but USAA spent more time, lieing, denying then helping, and before this we paid our credit card on time paying more than owed monthly. And neither of us ever had any thing like idenity theft robbery or uncoathe banks like USAA before this. So it was a lot of learning and pain. We found out our banks were closed by trying to get gas, we were almost out and far from home. They also held on to our money for over a month. That was 4 years ago and started a ripple effect into our credit which swarms us today. There is so much more, so much more that my eyes roll, on XXXX, yes XXXX robberies and XXXX car accidents, Usaa never paid the full amounts, the things they promised, and from the XXXX robbery, I would have to say USAA caused these issues to, they made it easy for thieves, like in XXXX robbery, and XXXX we had people WE DID NOT KNOW AT TIME point out the robbers, and XXXX times a XXXX XXXX CREDIT CARD was talken and used. Usaa owes for so many policy things, they have refused to take calls for last two years when I asked why our last property they said we were getting XXXX and they sent XXXX, I started calling from day one, they even refused to return calls when I tried to send in depreciation reciepts, they refused to pay out on wages on XXXX incidents, they refused to help get a car which they promised they would from their auto-circle program after WHAT WE SUSPECT THEM illegally totaling our car and we had to end up getting XXXX whcih we had to pay over {$2500.00} down and over {$400.00} a month and over % 21 percent interest, all things that could been avoided like so many XXXX other things in past years if Usaa stopped hording money and acually doing what they are suppose, they have even denounnced CALIFORNIA AUTO INSURANCE INVESTIGATION which they had previous agreed with on several things like my veneers and wages and other things hey were to pay out but flattly refused. There were XXXX other hard core things USAA knew and didnt care. They opened up not only a credit worm hole, but they made it easy for thieves and caused us XXXX, oftenXXXX for long times, where we have lost out on family events, vacations, work oppurtunities, marketing money, we have lost all our valuables all our personal, things.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is saying I have accounts that have 30 days or more past due, I have went through my file called all current companies I am current on all accounts they are trying to mark me late for accounts that were included in my bankruptcy from XXXX and charge offs that happened in XXXX and were put in bankruptcy
Product: Debt collection

This debt is not mine. I have never lived in XXXX  or opened up any accounts for utilities. Someone has used my name to open up the account and didn't pay.
Product: Debt collection

Conn 's calls me if I'm just one day late on a payment. I have two phone lines on my Conns account, and they call each line 3 or more times each. This is not less then 6 calls per every 12 hours ( XXXX XXXX - XXXX XXXX ). They repeatedly call me at work and at home. I have informed them that this is illegal and can cost me my job. They keep telling me that they can call me as long as I owe them money, and am at least 1 day late. I understand them giving me a reminder, but calling 6 or more times per 12 hours is just crazy! I would like to know how I can file suit against this company for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureaus are required by law to remove & block 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 CREDIT BUREAUS must remove are listed below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : XXXX ; XXXX XXXX Bankruptcy Reference # XXXXDate Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Debt collection

National Credit System Collection reporting a debt to the credit bureaus says that I owed in the {$3800.00}. I received a copy of my credit report and found they are reporting this inaccurate item ( online credit report ) I contacted the above mentioned agency by phone and writing said debt belongs to me. 
Contacted the Original Creditor by phone XXXX XXXX XXXX at XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX Iwas told I owed debt. I do not owe the debt and I want its delete from my credit reports.Its hurting my character. Date report to credit bureau XXXX XXXX in the amount of {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act. These Accounts ; XXXX  XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX KS XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not sent my any verification of those items in the last 30 days. I sent my request off to you on XX/XX/XXXX, XXXX you received it on XX/XX/XXXX. Your response was dated XX/XX/XXXX in which you stated you would conducted a reinvestigation of the items in dispute and send your results within 30 days from the time you recieved my dispute letter, which was XX/XX/XXXX per the certified letter. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) from my credit report and all hard inquiries except for XX/XX/XXXX, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system.