23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX, i mobile deposited an XXXX XXXX  payment into my fifth third checking account. After waiting 2 days for the check to process, it had cleared and was available in my account. On the morning of XXXX, I checked my bank statement to ensure my account was good for the bills that are set to autopay on my account. I was shocked to see that my account XXXX over XXXX dollars in the negative and there was no clear explanation as to why. Today, XXXX, I called fifth third for details as to why they overdrafted my account by such a huge number, given that I had no pending transactions or checks showing as bounced. After talking to an agent at the XXXX XXXX location in XXXX, Ohio, I was informed that the check had been deposited twice although it had not been endorsed until I deposited it on XXXX. I was then called back and told it was because the check was void after one year and I had missed the window to despot it. I was then called back again and told that the check had indeed been deposited twice, and I was expected to pay back the full amount after they had made the funds available. This constitutes fraud on fifth thirds part as they have either deposited an unendorsed check to my account without my knowledge, or have accepted the check and deposited the funds, only to pull them from my account after well over 2 weeks of access. Fifth third has willingly and knowingly provided me false information and is in violation of 15 U.S. Code 1611.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 77598 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

FCRA Violation student loan payment never late
DEPT OF ED/XXXX

FCRA Violation auto loan payment never late
XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint pursuant to FCRA 6058 ( 15 U.S.C 1681c-2 ) to request that XXXX  credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This false and fraudulent account consist of a utility account that was opened on or about XX/XX/year> by XXXX XXXX XXXX # XXXX. This account is Fraudulent! I have never had an account with them nor the original creditor XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well being. 

Accounts Information in Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I received a cashier 's check from XXXX XXXX. For the amount of XXXX XXXX dollars. I did a mobile deposit into my b. MO account and it went through. They have since cashed it, and it is in my current balance. However, it is not available to me until 7 days after the fact. Even though it has been already cashed and verified. I submitted it on XX/XX/XXXX, and it is not available until the XXXX, and they have said. There is nothing they can do not even with the scene partial amount. All they can state is that it is because I am a new account which I understand however, it should not be seven days when it is a cashiers check guaranteed by the bank and they already have the money and shows up in my balance. However, it is not available to me. And I am told I will be charged for any overdraft fees that I incur, even though my account technically has money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never had an account nor have I given any consent to obtain an account with westlake. They should not have any of my personal information as I have never done business with them. They are reporting an auto balance on my credit and refuse to remove the account when I disputed the account. This is an ongoing litigation with US auto as they went bankrupt. This vehicle was also in an accident and totalled out. The remaining balance was to be paid for by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not responsible for any of this balance. Westlake are threatening me, a XXXX person, via email and mail. They have also posed as court lawyers threatening to sue me and have caused my XXXX to get worse. Ive had several XXXX XXXX due to them threatening me. This company needs to remove this account from my credit and cease all communication with me. They need to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or US auto and take all legal actions against them. They are responsible for the account and it should be documented that I reached out to US auto and gave them the insurance companies information. This is before westlake fraudulently took my personal information without my consent.
Product: Debt collection

XXXX XXXX XXXX refuses to remove a mark on my credit that was paid and I have disputed it and they won't remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting a debt on my credit file that needs to be removed. This debt has been past the credit reporting limit since XXXX and XXXX XXXX XXXX continues to validate this debt. This is a violation under the FCRA and this needs to be taken care of.
Product: Debt collection

XXXX XXXX XXXX has illegally and inaccurately reported an account that is not mine. I would like this account thoroughly investigated and removed once found to be illegitimate. I have never been a customer of progressive. 


please see the attached image for their initial response of my request.
Product: Payday loan

I have spoken with the actual owner on more than one occasion, and have filed previous complaint here. Theses people will not stop calling my phone. We do not have any loans with them at all. They are continuing to call my phone. I want them to stop harassing me. I will obtain an attorney and sue for harassment if this is not stopped. The owner has assured me on more than one occasion that they would never call again, but they are still calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding student loan with XXXX XXXX, and all information is wrong and repeated, the same account appears 3 times, XXXX XXXX, XXXX XXXX XXXX XXXX twice. it says the original creditor is XXXX XXXX XXXX. all three have wrong information, and I only had one student loan.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX CO ) XXXX Open Date : XX/XX/XXXX Balance : {$1900.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Open Date : XX/XX/XXXX Balance : {$630.00}. 

According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

L J Ross associates inc partial account XXXX XXXX past due as of XX/XX/year> Address id XXXX Account should be remove, dates do not make sense.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

My credit score in Equifax is not reported. 


This is a formal complaint against Equifax. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and incomplete information about me to potential creditors. 

I have been trying to resolve this problem since last year. I am not sure what the problem is, I have sent this company a letter multiple times to dispute this incorrect or incomplete reporting. Every time I log in to my credit monitoring, I do not see my credit score and all of the accounts under Equifax reported. I have attached all of the letters I have sent to this credit bureau as proof that I did what I had to do to fix this issue once and for all because I am trying to get approved for service.
Product: Credit card or prepaid card

The dates are XXXX. When I attempt purchases the card declines. I also attempted to transfer funds and it was delayed.
Product: Debt collection

We want to report Harassment by Brennan & Clark. XXXX purchased XXXX and we wee a legacy account for phone service under an old agreement. Our service had failed ( dropped calls bad connections ) and XXXX could not fix the issues blaming XXXX who blamed XXXX. We had very old outdated XXXX equipment so wanted to upgrade. No sales person would return multiple calls / emails & after not hearing from them we finally sent an email / on line chat / mailed letter saying we will be moving off XXXX & onto XXXX to resolve the phone issues. XXXX did work with XXXX to properly port our numbers. After we switched we were finally contacted by a sales rep from XXXX who apologized for all the issues & agreed to a {$2000.00} cancellation fee - which we paid - see attached copy of check which they cashed. Apparently this went to the wrong dept - XXXX & NOT XXXX XXXX which was handling our dispute & for some reason XXXX charged us an $ XXXX cancellation instead of the agreed on $ XXXX ( or even the $ XXXX per our outdated contracted with XXXX ). We never had a new agreement with XXXX. The person we've been dealing with at XXXX XXXX ( XXXX XXXX ) agreed they should not have forward this to a collections agency and advised us to tell the agency to " refer back to maker '' which we did. The agency, Brennan & Clark, & their rep XXXX XXXX, says they will continue to call until I pay them at least $ XXXX more to make this problem go away & to prevent them from filing a lawsuit. He refuses to " refer back to maker '' & will not call XXXX to verify that we actually had an agreement or to get even a copy of our XXXX contract. He basically said WE have to provide " all the evidence '' & that all they have from XXXX is an old outdated invoice ( which has the incorrect amount on it which XXXX XXXX said months ago he took care of ). B & C appears also unaware of the $ XXXX we already paid. In other words they claim it's not their job to talk to XXXX about anything. I've asked them not to call ( only write or email which they have not done ) but they insist on calling multiple times daily " until this is resolved. ''
Product: Checking or savings account

Sunday, XX/XX/year> about XXXX I was attempting to make a {$4000.00} cash deposit into my business checking account at the Huntington Bank ATM at XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I followed the instructions the ATM gave me as usual as I have done this many times before. I put the XXXX {$100.00} bills into the ATM deposit compartment. The hatch closed after as it usually does. This time it gave a message on the screen which SHOCKED me : " YOUR TIME TO MAKE A DEPOSIT HAS EXPIRED. IF THERE WAS ANY MONEY IN THE COMPARTMENT, IT WILL BE PULLED IN. CALL YOUR BANK ''. 
That is what I believe the message said. It was brief. The screen then quickly went to the home screen. There was no counting sound happening that usually occurs when the machine is taking money in, or when it is dispensing it out. There was no receipt issued, there was no credit for the {$4000.00} applied to my account at the time, or since that time. This happened approximately XXXX cdt Sunday, XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX BALANCED {$1200.00} XXXX XXXX BALANCED {$0.00}
Product: Checking or savings account

I used the bill pay service, which I have been doing for the last few years, to pay my real estate taxes. I completed the transaction as I have in the past at least five days prior to the deadline for the funds to arrive. I made my transaction on XX/XX/year>, online with the bill pay option. Usually when I make these payments they seem like they are being done as electronic transfers and go through the next day. I still made my arrangements five days in advance since I noticed last time I made a tax payment this way it did take a little longer, but really, as long as I am doing my part a week in advance, it shouldn't matter anyway. But this time it did. The bank asked if delivery on XX/XX/XXXX was fine and since everyone knows delivery date is not what matters, I was fine with that. Last Wednesday I received a letter from the XXXX XXXX XXXX Tax collector saying I owe {$75.00} more because my check was dated XX/XX/XXXX. I called the bank and received nothing but scripted answers, no one wanted to help and I was continually being placed on extended holds. After an hour I finally was told I would be getting a call back from the supervisor of the " manager '' I was speaking to. I was told it would be one to two business days and I am still waiting. In the meantime, I called the county to see if I could take care of this small date issue with them. I received the same treatment from them : multiple extended holds and in the end a promise of a return phone call from a supervisor. I have not gotten a call. I was told by XXXX at the XXXX XXXX XXXX Tax Collector 's office that before they were doing direct deposit but now they were actually writing checks out, this is impossible my check was written and delivered on the same day so something really fishy is going on and I do not owe them any more money. This is an ongoing problem with the customer service of big corporations in this country. Consumers are getting screwed and nickled and dimed by these companies constantly and no one is helping us. They are stealing money from consumers every day and nothing is being done about it. They have enough money do they really need to steal? And why is this being allowed to happen? Why is noone enforcing this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wrongfully placed me into collections. They claim I have an outstanding bill of over {$600.00}, yet they have failed to supply me with proof of the debt via mail. I have not lived at that address since XXXX of XXXX and they are claiming I had service in XXXX of XXXX. At that time I had a tenant living in that house. This is regards to XXXX XXXX XXXX XXXX XXXX  I moved to XXXX in XXXX and we do not have XXXX XXXX out hear.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify EXPERIAN AND XXXX credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2019 and immediately saw multiple items that were not mine being reported on my credit report. On XX/XX/2019 I sent in a letter to the credit bureau stating that I am asking for the original signed, consumer contract with my signature on it ; otherwise anyone paying for your reporting services could mail, fax or email in a fraudulent account. 
On XX/XX/2019 Experian stated in audio during a phone conversation and in written form that the debt was validated based on Name, Date of Birth, social security number, and account number. If I am telling you that I am a victim of identity theft, anyone can open an account in my name, using my information. Experian did not send me any proof ( original signed, consumer contract with my signature on it ) for any of the negatively reported items on my report.