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

I XXXX that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I received my Transunion consumer report File # XXXX and it's still not addressing the violations. I DID NOT made a request for validating a debt. My request is that Transunion still reporting my transactions & experiences with XXXX. Which is in Clear violations Per 15 U.S. Code 1681a - Definitions ; rules of construction XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting

Equifax 's online credit report disputing service does not work ( www.investigate.equifax.com ). If you try to use it, it just runs you in circles between XXXX web pages. Credit reports are supposed to be accessible and the ability to dispute inaccuracies are supposed to be easy and available. This needs to be fixed immediately.
Product: Credit reporting or other personal consumer reports

I discovered some unauthorized inquiries on my credit report this evening, and I have no idea why they are there. I checked my report as I normally do, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. Due to this issue, I'm requesting a thorough review of the documents I've submitted so that I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Creditor : XXXX Amount : {$890.00} XXXX XXXX XXXX XXXX Letter sent to my parents home address in XXXX XXXX This is my US address and I moved to XXXX with my husband and family in XXXX Sent all documentation of proof of my XXXX address, Passport, Permanent Resident Card, Utility bills and followed XXXX ID Theft Claim Process as was advised Called all three credit agencies and out a fraud alert account Spoke to someone at FTC, but was not able to file a report or police report due to be in XXXX and no idea who has my Social Security number I was given information that the address was used XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX for the months of XXXX XXXX ( I have lived in XXXX, XXXX, XXXX XXXX and bought my home in XXXX ) XX/XX/XXXX spoke to XXXX and was told it was cleared up, however, it still appears on my credit agencies list of debts and is affecting my credit rating. 
XX/XX/XXXX Creditor : XXXX XXXX Amount : {$650.00} XXXX XXXX XXXX Letter sent to my parents home address in XXXX XXXX , I called XXXX XXXX and explained the situation, they asked me to fax over proof of my address in XXXX and ID documents etc, which I did. I also sent the XXXX information. 
XXXX XXXX made me aware it was the same address in XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thought I had taken all steps to recify this situation. I was not able to file a police report. I do not live in the US. I live in XXXX and it has been XXXX. I have no idea who is commiting these crimes. I called all three credit agencies and the FTC and put all alerts on. However, in XXXX of XXXX, I just recieved a new collection notice. 

XX/XX/XXXX Creditor : XXXX XXXX Amount : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX A letter was sent to my parents house in XXXX XXXX in XXXX, XXXX addressed to me. 
I called XXXX and they made me aware this was the SAME address in XXXX ... this person is still using my Social Security Number for over 2 years to open accounts. 
They opened XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX. 
The address is XXXX XXXX  XXXX XXXX Unit XXXX, XXXX XXXX  XXXX I called XXXX and let them know. 

Can you please help me?? This is severly affecting my mental health. I want to cancel my Social Security number.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has contributed to the appearance of unfamiliar and inaccurate accounts under my name. As a victim of identity theft, my information was fraudulently used, and I am now dealing with the consequences of accounts I were never associated with. Following TransUnion 's instructions, I promptly filed a report with the FTC and submitted all necessary documentation. Despite taking these steps, the fraudulent items remain on my report.
Product: Payday loan, title loan, or personal loan

XXXX Location, XXXX XXXX My wifes cell is XXXX She can discuss this also since I may or may not be at work on watch when someone calls.
<P/>
I DO NOT I REPEAT DO NOT WANT ANY ONE ELSE MAKING FALSE THREATS OR BULLYING MY WIFE FROM THIS LOCATION I took out a title loan last year paid it off no problems. Since we have a POA my wife could even go in and pay when I was on the boat at work. I needed another loan so I went back and it has been total XXXX ever since. I went in and paid and asked for us to change the due date as my work schedule was changing. I was told it was not needed that my wife could just come in and pay down the loan. So at first my wife was going in No issues. But when I would come home from work and go in to pay and renew. I would have over or close to 100 in late fees. Stating my wife could pay on it but they could n't accept her as a signature anymore so she had to stop going in there. Yet we were paying by the date due. And STILL GETTING LATE FEES. Confused as because a Power of Attorney gives her the right. Anyways. I went in asked for a prorated whatever to get the due date when I was home working XXXX and XXXX it would always wind up my 2nd week at work due. Which would force me about 2 weeks in late fees. 1 person over there would understand. Yet I would get 4 and 5 calls a day even though my account was " documented '' I would be home from work on this certain day. This last time was pathetic. I told them every single day what day I would be in. Since they basically refused payment from my wife so I would as they put it " rack up '' the late fees. I told the guy I spoke with this time I could not pay another XXXX in late fees and I refused to because my wife had legal rights to go in there and pay it yet she was n't allowed to sign or do so. So then I get threatened to have my vehicle taken away after I pay 100 to renew because I did n't pay the 100 in late fees? That if my wife would of been allowed to pay we would not even have fees? Every time I have extra. I can not pay extra because of all the late fees. Because I have a job where I am not home every day. I tried to get the loan transferred to another company but guess what? They claimed to not have my title in hand. But when I ask them last time ... .The DO!!!! So I am stuck in this revolving door of no due date changed, my wife not being allowed to pay, and several late fees over and over and over. When we should have none. So I am still stuck with a loan that has paid maybe 200 towards it going down.. Because of the shady practices of this location. Or the fact that my wife can not go and now is to the point she does not even feel comfortable going into the store. The last 100 I just went in and paid on X/X/2017 guess what some lady behind the counter said oh yeah your wife can come in and pay. Yet guess what will happen if she tries to?
Product: Checking or savings account

I have now spent over 5 hours on hold on the phone. I am using up my entire phone plan in attempts to communicate with BOA. Only to be provided with misinformation and no helpful solutions to my issue. 

I had an estate checking account ; the estate was closed in early XXXX. 
I phoned BOA to find out how to close the checking account while retaining electronic access to the historical records for this account. 

The person I finally got through to on XX/XX/XXXX told me I did not have to close the account, that I could retain access electronically with an account balance of 0, and I was assured that there would be no charges for low balance, etc. 

So I did that. Funds were moved out of that account on XX/XX/XXXX. 

About 10 days later, I received XXXX cents in interest. 

I tried unsuccessfully to transfer that amount out, and I got an error that the amount was too small to transfer. 

Recently I received a charge for {$25.00} - monthly service charge. 

I phone again today. After another long wait, they told me I would need to close the account, but I was again ASSURED that I would still retain electronic access to the historical records. 

In fact, however, all electronic access has now been lost. 

I phoned again. Another long wait on hold. Transfer to supervisor. 
Another long wait on hold. 

She told me that once the account is closed, all online access is permanently lost, and that I can not re-open the account to regain access. 

I am EXTREMELY unhappy with these experiences with BOA. 

I would appreciate help in restoring access to the account that was closed this morning ( with the false promise I would retain electronic access to the records ) -- whether by re-opening the account ( which they told me was Impossible ) or by providing electronic access to the records from the now-closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a medical collections account that shows unpaid. I have paid this account ( in XX/XX/2019 ) and have a payment receipt. I have requested the collections co. ( Harvest XXXX ) remove this negative information multiple times and they say they have but it has not come off. So I filed a dispute with XXXX and they notified me today that the dispute is complete and the information was not removed. I have proof that I paid this.
Product: Checking or savings account

I opened a Citi Priority checking account on XX/XX/XXXX to qualify for advertised promotional cash offers for new customers opening checking and Citiwealth brokerage accounts and making qualifying deposits. I arranged for funds to be transferred to the new checking account through EFT and ATM deposits, and also set up direct deposit of my XXXX salary in XXXX XXXX. To increase the amount of funds in my account to help to reach a promotional cash threshold, on XX/XX/XXXX, I also sold my second car ( a XXXX XXXX XXXX ) to XXXX and provided them with my routing and account number so I could receive the proceeds in my new Citibank account. XXXX deposited {$30000.00} into my account on XX/XX/XXXX. At that point Citibank " blocked '' my account. I called two different times and spoke to Citibank representatives and all that they would tell me is that the fraud department at Citibank closed the account and that the bank would be holding my funds for 60 days and then send me a check for the balance. I don't know why they did that, other than to use my money and not have to fulfill their obligation to provide the promotional cash. While it is within their rights, and their banking agreement states that they can close the account without warning or explanation at any time, it is unfair for them to hold onto my money for 60 days. 

Requests : 1. I would appreciate any assistance that you can offer to enable me to access my funds that are on deposit at Citibank immediately. 
2. I'm also requesting your advice as whether if I should be making a complaint at the FBI for wire fraud, since Citibank falsely advertised that I could obtain promotional cash for opening an account and making qualifying deposits.
Product: Credit card

US Bank credit card company takes TWO WEEKS to process mailed payments. 
I have contacted them and asked the reason and also asked if the company stamps payment envelopes when received through the post. .. they have no answer for this. 

Payments should show posted on the date that the mail is RECEIVED -- and is surely does not take TWO WEEKS for an envelope to be received at the company. By law, they have to stamp mail on the date it is received. 

Please ensure that this company follows the law.
Product: Debt collection

The false debt is from a rental property that we rented in XXXX and early XXXX. 
The original debtor, XXXX XXXX XXXX is attempting to collect monies that are not due, such as " owners commissions '' on the property. These amounts were never part of the original lease agreement and do not represent normal business practices for rental properties. 

We disputed this debt back in XXXX of XXXX and then did not hear from them until XXXX of XXXX, where they told us we had 30 days to respond. We again disputed the debt with them and asked for documentation and disclosure documents to prove this debt. 

On XX/XX/XXXX, we received our first letter from National Credit System , Inc. about this debt. We responded immediately with a written letter disputing the debt and asking for documentation. 

They responded with the lease agreement with no mention the debts they mention and then made-up documents with numbers that are listed and no signatures. 

We have now sent them three letters and have yet to receive any real documentation to uphold this debt. They have refused our request for disclosure documents and have sent documents with numbers lined out to reduce the debt owed in an effort to get us to pay a reduced amount.

National Credit Systems has placed a debt on our credit report which is false report.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXXXXXX XXXX XXXXXXXX Balance : {$76000.00} XXXX XXXX XXXXXXXX Balance : {$89000.00}
Product: Debt collection

XXXX XXXX XXXX has been calling and sending emails I have never had an account with them and they are calling / email attempting to damage or intent to place harm to my credit. 


This is incorrect information via email Emails came from notifications @ XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Creditor : Truist Bank Our Account Number : XXXX Original Account Number : XXXX Balance : {$920.00}
Product: Vehicle loan or lease

Ally Financial IncXXXX provided me a loan for a XXXX XXXX XXXX. In XXXX me and the company agreed on a XXXX XXXX XXXX XXXX. I had 10 days to pay {$190.00} to finalize this agreement which expired on XX/XX/XXXX. I paid the balance on XX/XX/XXXX. In the agreement it states, " all remaining scheduled payments have been extended by 60 days. The next scheduled payment would be XX/XX/XXXX for {$200.00}. 

After receiving 5 phone calls from their debt collection department on XX/XX/XXXX which start at XXXX - XXXX. I received a phone call the day after XXXX at XXXX, I told the representative that I had already agreed to a payment plan and I had until the XXXX to pay it. I was told that the agreement was closed by the representative. Then I was told that I could go ahead and make the payment but the extension department would have to re-evaluate the extension and get back with me in three days. 

When I talk with different representatives documentation is n't taken properly and the communication is extremely poor. I had until the XXXX to pay the remaining balance but the collection office closed my extension agreement prior to the XXXX.
Product: Debt collection

I DO NOT HAVE/NEVER HAD A CONTRACT WITH XXXX XXXX. I AM NOT LIABLE FOR THE COLLECTION OF THIS DEBT {$380.00} FROM XXXX XXXX. <P/>I AM NOT RESPONSIBLE FOR THIS DEBT. <P/>*PLEASE CORRECT AND DELETE FROM CREDIT REPORT* AS SOON AS POSSIBLE!
Product: Checking or savings account

I received by mail an unsolicited debit card from Discover bank. It says it is linked to my account. I do not have a Discover Bank account nor applied for one. I attempted to report the fraud, but their hold time is over 2 hours. I have my credit frozen so I am not sure how anybody was able to open an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has inaccurate information on my Public Record. I was a victim of a hit a run and they have it listed as " at Fault '' I have asked them to make the correction but they refuse to do so causing increased insurance rates. When I call them they give me pat responses and say they are reporting correctly and they will mail a report. I have been waiting 3 months and have not received a report. Here is a copy from XXXX Date XXXX XXXX XXXX XX/XX/2016 at fault accident 4 CLUE only XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX SS XXXX Florida DL XXXX
Product: Vehicle loan or lease

I would like for it not to be on my credit profile as it was related to covid at the time, will they please delete off my credit profile.
Product: Checking or savings account

I have a Wells Fargo checking account. My account was frauded by multiple charges ( probably close to XXXX or more ) on XXXX XXXX. This occurred on XXXX XX/XX/XXXX. I noticed on XX/XX/XXXX. I notified my bank, and disputed claims. I do not even own an XXXX. Wells Fargo denied my claim and said there was no fraudulent activity noted. I am Stuck out of about {$1500.00} ( including multiple overdraft fees ) I even contacted XXXX and spoke extensively with multiple departments and they confirmed it did not come from my account but XXXX can not return my money. Im not asking for anything but my money that was fraudulently taken obviously, as I had never used XXXX XXXX and all of the money was taken between one day. Please help me, I am desperate at this point and have no idea what to do next
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I discovered that Nordstrom/TD bank USA was reporting on my credit a charged off account with a balance. I disputed the account and sent them not once, not twice but three times, a certified letter requesting validation of the debt. Each time, The letter was signed for by someone at the company but I received no response. 
In XX/XX/year>, I sent another letter certified requesting a 1099-C, Cancellation of debt for the balance that they wrote off. Again, I received no response. For these reasons, I would like this item removed from my credit report.