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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are failing to report correctly the positive items on my credit report. ( Please see the attached spreadsheet of accounts and account numbers of tradeline items which need to report all months, not just some months, of excellent payment history. ) I have also attached a copy of my credit report for reference. By failing to report positive credit history is hurting my credit score. Please update these accounts to report accurate information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXXXXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXXXX/XX/XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX {$2700.00} XX/XX/XXXXXX/XX/XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING FRAUDULENT BANK ACCOUNTS AND FRAUDULENT INQUIRIES ON MY XXXX CONSUMER REPORT, DAMAGING MY NAME AND CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Loan care and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my report
Product: Credit card

Company said I was pre approved and they pull my credit report twice with XXXX and I was told to upload my ID and and take a picture and record a video and within 30 mins my application was denied and they wouldnt removed the double credit inquiry on my credit report and I have good credit history and they refused to review my application for XXXXXXXX XXXX XXXX and scam me for two double hard inquiry.. I want them removed or I will take legal actions..
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the hospital and provided them with two forms of insurance. The hospital has both insurances on file yet their collections team posted two negative accounts on my credit reports. I called an asked why they said the hospital did not give them the second insurance information. I gave them the insurance information. They turned around and posted the same negative on my cresit report at another bureau. The numbers they have listed now go straight to voicemail and when I did speak to someone she advised they would removed the information after i gave the insurance information but that has not been done. I had this conversation in early XX/XX/2018. This is happening with XXXX XXXX XXXX for {$100.00} and {$62.00}. My secondary insurance was through the state medicaid department and the hospital is aware they can not accept a payment from the insurance company then bill a patient additional charges. I spoke to the representative at XXXX at Online collections  and informed her the accounts were updated. She told me they would not remove the negative information from my account until I paid it. I refuse to pay them for a bill I do not owe.
Product: Prepaid card

While I was at work on Friday, XX/XX/2024 between XXXX & XXXX somehow, someone was able to withdrawal cash out of an ATM from my NETSPEND Acct XXXX Per Netspend 's App these transactions occurred at an ATM @ XXXX XXXX XXXX XXXX XXXX XXXX ( ATM inside XXXX XXXX ) XXXX : Transaction was a Balance Inquiry ( charged {$.00} ) XXXX : Charge/ATM Fee = {$1.00} - DECLINE FEE ( I had a little under {$300.00} available in my account ) XXXX : Transaction / Cash Withdrawal = {$260.00} + {$3.00} = NETSPEND XXXX XXXX XXXX : Charge/ATM Fee = {$2.00} ATM Fee Unfortunately i wasn't aware of these transactions until later that evening on my way home from work i stopped at a store & happened to check my balance. I immediately called Netspend to report the fraudulent charges. I explained I was at work on the other side of town from where this ATM is located. Ive never even been to this XXXX before nor have i ever checked my account balance at an ATM. Why would I pay XXXX cents when i can see my balance for free on the APP. 
I receive a weekly direct deposit on this card from my employer, yet Netspend still wouldnt provide me with a provision credit. I was advised they would investigate and it could take XXXX  days or XXXX days, XXXX or even XXXX days to investigate. 
Today I filed a police report with XXXX about the stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in disputes and also a debt validation letter. Included will be the mail tracking number and documents that were received from them in correspondence to the debt validation. The information they sent does not suffice a validation of a consumer or credit debt that I owe. The company Monterey Financial Services LLC, account # : XXXX is reporting on multiple credit bureaus inaccurate information. 
Certified mail receipt tracking # XXXX Date : XX/XX/2022 No documents that were included were the required documentation to validate a debt. 
Included will be all documentation received from Monterey Financial Services LLC. I would like to also be compensated for the multiple violations committed by company Monterey Financial Services LLC and or XXXX. 
{$1000.00} per violation under 15 USC 1681 ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid off the last balance in full on XX/XX/2021. Since then I've accrued XXXX in balance and XXXX dollars is currently pending. However my balance XX/XX/XXXX is showing as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX  amount {$1000.00} was a fraudalent now reported to a dabt collector.
Product: Mortgage

Round point sold my mortgage to XXXX XXXX XXXX in the fall. Round point sent the wrong amount for taxes due to XXXX XXXX pa tax office. The money left my escrow on XX/XX/XXXX XXXX the check was returned to round point because the XXXX  XXXX tax office does not accept checks that are the wrong amount.. Unfortunately no one told me this and I was never given the XXXX back that they took out of escrow. So now my taxes are late. No one can find my missing escrow. None of this is my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be removed from my file as soon as possible : 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: Student loan

My student loans keep getting bounced around first XXXX XXXX then they were found to be operating bad business so XXXX was created and now models. XXXX done paying on these loans my XXXX  was shutdown for bad practices and all the loan companies keep getting punished. XXXX tired of paying into a scam and bad business. I want my loans gone and I dont know how I can be expected to enter into a third new relationship with a lender. XXXX done with all of you.
Product: Credit reporting

After paying XXXX they sent me a bill saying that I still owed them money and late fees. I called them to settle the issue. Spoke to a representive and supervisor on XX/XX/2017 on XXXX seperate accounts, XXXX and XXXX.Bottom line we cleared all accounts.They agreed to dismiss the XXXX.dollar late fee for XXXX which paid that out..XXXX had a late fee of XXXX dollars on it, be reminded that these bills were paid in full. They were sending me a bill for late fees. To clear out all accounts as well as future accounts I agreed to pay the XXXX dollars late which I did at the time and close out all accounts. They agreed and we proceeded. On XX/XX/2017 I received a letter from them stating that I had until XX/XX/2017 to send them XXXX dollars.After calling them again and reminding them that they made this arrangement, they said yes but after further investigating they could not do it. To me you made the arrangement, we settled it and I'am done. XXXX, instead of excepting their responsibility puts a negative report on my credit report never mind the fact that I have been dealing with them for years with serveral differant accounts with never a problem but this was of their doing. I WONT IT OFF!!!
Product: Credit card or prepaid card

On XX/X/16 I did a transfer of XXXX from my credit card to my wife 's credit card. This transfer was never complete, because I could n't do it from my account to a different person. Have been trying with these credit cards to get my money back, but it is been so hard, they do not want to resolve the situation, and every time I call them they accuse one to another. They charged me this money ( XXXX ), but the money is nowhere to be found.
Product: Debt collection

This charge off is reporting incorrectly on XXXX and XXXX so therefore it should be deleted. this is a charged off account. I have yet to be supplied with a 1099-c anf tha is in violation. on XXXX it is reporting as the following ; XX/XX/XXXX {$6600.00} Closed Overview You have 0 % left to pay on this loan. 

Balance : {$6600.00} Highest balance : Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Automobile Responsibility Individual Remarks Redeemed Or Reinstated Repossession Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Current Payment Status Collection/Charge-off Amount Past Due Payment history Youve made 79 % of payments for this account on time. 

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 XXXX XXXX XXXX XXXX XXXX But on XXXX it is reporting as ; XX/XX/XXXX {$6600.00} Closed Overview You have 70 % left to pay on this loan. 

Balance : {$6600.00} Highest balance : {$9500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Automobile Responsibility Individual Remarks Unpaid Balance Reported As A Loss By Credit Grantor Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type Provided High Balance {$9500.00} High Credit Monthly Payment {$0.00} Current Payment Status Collection/Charge-off Amount Past Due Payment history Youve made 57 % of payments for this account on time. 

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 XXXX 
why are the payment dates reporting wrong to a credit reporting agency know this will damage my credit. This looks as if someone intentionally set out to hurt me.this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Debt collection

In XXXX we lived in XXXX Apartments. My husband XXXX received military orders to move to a unit in XXXX. Per the military clause in our lease agreement we needed to provide the orders to the leasing office and give a 30 day move out this ensures the lease would be terminated properly without additional money being due ( i.e re-letting fee ). I followed the exact process and my move out was approved. During my final month in the apartment as I was packing I received a knock at the door it was the Sheriff bringing eviction paperwork. I informed the sheriff I was moving due to a PCS ( permanent change of station ) ordered by the military and he instructed me to go file an answer with the courthouse. I did just that. I brought the eviction paperwork from the sheriff, our orders, & the letter from the apartments approving the move out and the case was dismissed and we were allowed to continue our move out as scheduled without harassment. At the end of the month my family left the apartment turned in our keys and continued on to XXXX. XXXX XXXX 7 months from the courts dismissal the apartments were used as a reference on an application for a new home we were interested in renting, we were subsequently denied because a report was sent to the property management company saying we broke our lease. Needless to say I contacted the apartment and was told by XXXX XXXX that she was referring us to a collection agency and would not send us any documentation on how or why we owed money. Since that time we have been trying without resolution to get answers and get this debt removed. This debt has destroyed both mine and my husbands credit. I believe due to my personal history with XXXX XXXX that she decided to furnish false documents to hinder us from being able to rent anywhere in the state of XXXX. I believe this to be the product of malicious intent because again we followed the law, the case was dismissed and nothing was ever reported until after we needed to use them as a reference. To date, we have been denied credit, apartments and a mortgage loan due to this action and on top of that our score has plummeted several points. I will also add the eviction that she attempted to do she knowingly lied on court documents stating that we were not affiliated at all with the military. This past weekend I stopped by the apartments and was able to get a copy of our " charges '' and found that the information included damages, furniture removal, eviction fees and reletting fees. This could n't be further from the truth. My court documents substantiate the false claims.This complex specifically XXXX XXXX is doing this for her own vindictive reasons and she should be held accountable.
Product: Credit card or prepaid card

I have a Discover card personal loan for XXXX with very high interest, unfortunately. However, on two occasions now, i have changed my billing date to pay earlier to cut down some of the interest charges and pay quicker. On both occasions, i received a confirmation email from Discover but yet they didn't take the payment out until the original scheduled date ; which means the money sits in my bank account and not applied to my loan/credit card and continues to accrue interest!!!!!! 
I emailed them both times and no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my report and I noticed that there was some fraud accounts listed on my report I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. An FTC report was filed. 

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

USBank Credit Card will not cancel card after being notified of death of a family member/cardholder. There is no balance so this is not about a remaining pay off. This is about them ignoring the consumer and being completely unresponsive. Leaving the card active is a threat that we must monitor. 

This is the same card that, about two years ago, the cardholder had to notice " unusual '' transactions himself even though his pattern ( XXXX gentleman ) was very unlike the out-of-state charges made in women 's clothing stores. 

They are unprofessional and the family does not wish to be burdened by watching this card and cleaning up any fallout from their ignoring the reported death of the cardholder.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX section 602A states I have the right to privacy 15U.S.C 1681 section 602A section 2 : it also s a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681 ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information any and other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 16812 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason cause to believe that the information is inaccurate
Product: Student loan

On XX/XX/year>, the Federal Student Aid Office of the Department of Education notified me that I was eligible for PSLF on my remaining 4 loans and would instruct Mohela to discharge the loans. 

On XX/XX/year>, Mohela notified me that it had forgiven 3 of the loans, with no explanation why the 4th eligible loan was not included. 

On XX/XX/year>, Mohela confirmed that the single outstanding loan had 121 qualifying payments, but would not process forgiveness. This loan is now going back into repayment and Mohela is expecting me to make payments on a loan that should be forgiven.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting an Inquiry on XX/XX/2023 that i did not authorize on my Transunion credit report. It needs to be removed as it is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX