23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2018, I made a cash deposit of {$1900.00} at the ATM XXXX XXXX XXXX, XXXX, NJ XXXX at XXXX. The ATM processed the money, however the machine shut down and said temporary out of service. Then it spit out my ATM card. The funds were not available. I went inside the bank and the representative stated that she will give me provisional funds, however it only put in an investigation status. The Branch manager XXXX XXXX said there is nothing he could do, and that I would have to wait the waiting period. I called the police and they said it was not a crime and it was nothing g they could do. I could file a report. I called PNC retail escalation department and spoke with XXXX and said they can not do anything for another 48 hours. This has put me in a grave disadvantage. I made a cash deposit, I feel they stole my money. 
Also, they cash a check for me and then made the deposit as cash. That also is not available, they couldnt explain why. I made a total of {$2900.00} cash deposit and known of my funds are available.
Product: Student loan

I have made 123 payments to Fed Loan Servicing. The company continues to miscalculate payment.
Product: Credit reporting or other personal consumer reports

Violations of 15 U.S. Code 16815-2. Inaccurate Reporting of information. I have reached out to TransUnion in regard to unauthorized Inquiries on my credit report and fraudulent accounts opened on my credit report without my consent. In XX/XX/year> I reached out to TransUnion to investigate the matter. After XXXX  days I received results from the dispute but nothing was changed after saying the accounts was updated and verified, I compared my report from the prior months and noticed nothing had been updated, which is a violations of my consumer rights and a violation to the FCRA Laws. I made them aware that these accounts at question was fraudulently opened under my identity which put me as a consumer and my credit report at great jeopardy. Failing to investigate this matter was a violation and how they are not to be reporting such information especially if I have made them aware that I didn't apply for any lines of credit nor product, as a data Furnisher, there job is to make sure accuracy reflects on a consumer reports and I have showed them where they have violated with them not complying with my request to have these inquiries and accounts deleted is a violation of my consumer rights and that they are being no compliant with Federal, State and FCRAS guidelines. I have pointed out the Laws to this Data Furnishers and how they are in clear violations of the what they have been furnishing, Credit Reporting Agencies from what they have allowed these institutions to Knowingly Report the inaccurate information. This is a clear violation of 15 U.S. Code 16815-2 and my Consumer Rights, this has affected my ability to obtain Credit and have damaged my Reputation as a Consumer. I Demand these Inquires and accounts be Deleted.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX are incorrectly reporting the account XXXX XXXX  Account # XXXX it is listed as a charge off on my consumer report. Any account that is terminated by a creditor must be refunded to the consumer within 7 days so I am requesting the information they used to determine that this information is correct. Consumer agencies does not have access to private financial records so I know this account has not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX  ) XXXX XXXX XXXX Account Number XXXX. ( XXXX, equifax ) XXXX XXXX XXXX Account Number XXXX ( XXXX ) XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, AND XXXX ARE REPORTING INACCURATE INFORMATION.
Product: Credit reporting or other personal consumer reports

I was reviewing my report and noticed that I have fraudulent accounts reporting to my credit report. XXXX XXXX XXXX is tremendously hurting my ability to obtain credit and needs to be deleted
Product: Credit reporting or other personal consumer reports

My account with 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 U

SC 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 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 s
tatement 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.

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

XXXX XXXX  account on disputed XX/XX/year>. Never received any information or updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX XXXX XXXX   XXXX XXXX XXXX. I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the credit bureaus.
Product: Credit card

I used XXXX XXXX Costco credit card until they issued new credit card from Citibank as the exclusive Costco credit card. Beginning balance with Citi was {$330.00} higher than the ending Costco balance. I 've tried to get Citi to acknowledge the error and they just keep sending me copies of their statements and not addressing the problem.
Product: Mortgage

Paid off our mortgage loan XXXX/XXXX/15. Chase is not reporting our payment on XXXX XXXX, 2015. On our credit report states our last payment was made XXXX in the amount of our payoff, but this was made on XXXX XXXX 2015. Enclosed is the proof of payment on XXXX XXXX as well as a letter from Chase dated XXXX XXXX that our mortgage has been paid off. We made a regular scheduled mortgage in XXXX 2015.
Product: Credit reporting or other personal consumer reports

I previously reached out to XXXX, Equifax and XXXX and advised that I am a victim of identity theft. I obtained a copy of my credit report and noticed several accounts that do not belong to me. Upon discovery, I contacted the credit bureaus via phone on XX/XX/year> an d notified them of my discovery. I placed a fraud alert and contacted authorities and made a police report. I also made a report with FTC # XXXX. I also contacted the bureaus via mail with information to verify my identity in addition to a list of accounts that were fraudulently opened in my name. They responded within 30 days. However, the response did not follow my demands according to my rights per FCRA. I am demanding these accounts be removed as they have made a negative impact on my credit report and has also affected my score. I recently discovered that Equifax and XXXX are being sued due to failure of reporting correct information and handling disputes properly. Please investigate and remove the following accounts immediatley. 


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 am writing to dispute the reporting of a late payment on my credit report. I have contacted the company regarding this late payment, and they have approved updating the account to " closed/never late. '' The company has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes.

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX
Product: Debt collection

Shellpoint Mortgage Servicing whose address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX whose phone number is XXXX, are illegaly and unlawfully trying to collect from me on a mortgage account # XXXX on behalf of XXXX XXXX XXXX XXXX  who is acting as a trustee for XXXXXXXX XXXX XXXX XXXX XXXX. 

These two disreputable financial institutions do not own the mortgage secured by my property and for many years is using Shellpoint Mortgage Servicing to unlawfully and illegally collect from me, by sending multiple threatening letters and initiating multiple illegal, fabricated lawsuits, therefore orchestrating an offshore-like criminal enterprise... 

Here I'm XXXX XXXX, a subject property owner desperately asking your office for your help concerning all the matters mentioned above. Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Name XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX Incorrect Address These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for a reinvestigation to remove negative items on X/XX/17 from my credit report from transunion, they responded and stated that these items were deleted but they are still showing on my transunion credit report. It is important that these items are removed immediately as they do not belong to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 at approximately XXXX XXXX. I sent XXXX {$20.00} for tickets for a concert. They said they had two tickets for {$20.00} each and I sent them {$20.00} through the XXXX and {$20.00} through paypal. After I sent, they blocked me on XXXX XXXX. I never received the tickets and I am not able to contact them. They sent me their " Driver 's License '', but I am afraid they have stolen some girl 's identity and are using a fake profile to sell fake tickets to consumers via XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX FAILED TO FURISH 1099-C DENT CANCELLATION FOR MY TAX FILINGS ALONG WITH XXXX XXXX, CITICAOPR ETC..
Product: Credit reporting

I have fraudulent accounts listed on my Experian credit report that do not belong to me. I have sent numerous letters and police reports to Experian informing them I am a victim of identity theft and the accounts listed on my Experian credit report, do n't belong to me, but Experian keep on sending me letters informing me the fraudulent accounts are my accounts and the information is accurate. The following accounts due not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXX, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I tried contacting spotloans multiple times via email but did not receive an appropriate response or resolution as interest accrues. Im not able to pay off the loan
Product: Credit card or prepaid card

I opened a line of credit with Zales Outlet in XXXX. I purchased a piece of jewelry in which I had 18 months to pay off with no interest. Covid hit in XXXX and I paid the remining balance off with my stimulus check. I then received a letter stating I was a week late on paying the balance off and I now owed them the interest charges. I explained that I used my stimulus money to pay the balance and also explained that due to covid I was not working as I work in the entertainment district for the city and the entire city was shut down leaving me with no work. 
I asked to have the amount removed and was told no I could try to come up with something and send it in. I explained I would not have anything and how I sent in my stimulus to pay it off and not have to worry about a balance or the company not being paid at all. 
I now have the interest fee on my credit as a negative balance of XXXX from XXXX XXXX  XXXX. I am not sure if they sold the account to someone or what happened as I have not heard anything from them.
Product: Checking or savings account

On XX/XX/2024 I Misplaced my debit card. 
I was charged on XX/XX/2024 {$370.00} and again charged {$1300.00} on XX/XX/2024. These charges appeared on my account and were made my XXXX. I have reached out to XXXX regarding these charges and have received no information whatsoever. I only have the email that was used and name of the order which neither matched my personal Information. I disputed these transactions with my bank ( Bank of America ) and I was quickly rejected. I am going to have the dispute reconsidered by submitting more documents, unfortunately XXXX is not providing any to me.
Product: Student loan

When I was XXXX years old and trying to figure out graduate loans, I contacted Navient ( previously known as Sallie Mae ) to gather information about my loan options. I was told that a private loan through Navient and the federal government is the same. I was then told that my interest rate could be lower than the federal government if I had my mother cosign. Unbeknownst to me and being that English is my mother 's second language, a private loan and a federal loan is the not the same. I have been unable to consolidate my private loan with my federal loan and therefore it does not count toward my public loan forgiveness. I was misled into my private loan and because of this my single mother has been unable to refinance her home for the last 10 years. Due to this mistake, I have also been paying almost double the amount in loan monthly payments for the last 10 years. I was only recently made aware that I could make a formal complaint and would have done so earlier should I have known.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I purchased a Kubota XXXX skid steer around XX/XX/XXXX. I set it up for the payment to automatically come out of my bank account every month. A payment was never missed. I believe I owned the unit for just under a year. I took it to XXXX XXXX XXXX dealer for warranty service work. The XXXX XXXX was stollen off of their property while they had it. After a few months their insurance company came to an agreement to pay the skid steer off. I called Kubota credit to make sure they received the check because I was going to purchase another skid steer. They said the check had been received and that everything was paid for. I asked them what I needed to do to close the account so that an auto payment wouldn't come out again. They told me how to go online and do it. This is where the issue comes in. I received an attachment called a Grappler with the skid steer in XXXX of XXXX. It was financed within the same account. The lady that told me to close the account must not have caught that. I didn't know it was financed as a separate piece. They finally called me and I paid it off right away. Next thing I know they reported me as not paying it on time and my credit score dropped XXXX points. I've had my new Kubota skid steer for XXXX plus months and still have not missed a payment or been late. I talked to them about the issue on XX/XX/XXXX and again to a person that said a manager would look it over on XX/XX/XXXX. They said they would call me back and never did. I received a letter that they denied my request to fix the credit reporting and that was it. I try to pay everything on time and because of a mistake on their end telling me to close the account..ended up ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off the debt owed to XXXX XXXX XXXX as acknowledged by XXXX themselves as you can see in the letters they sent me which I have attached as well as proof of my payments. However, Experian has not updated their records to reflect this and is instead showing my account as Derogatory and in collection/chargeoff status. This is untrue. As you can see XXXX and XXXX have removed the account altogether. 

It is illegal to report false information that results in financial injury, such as in this case. The account is not derogatory. And I am not in collections nor chargeoff. The account has been paid! It has been paid since XX/XX/2022. Their current status is hindering my credit severely which is leading me to sever financial distress. I'm getting denied for everything ( credit cards, mortgages, loans ). This is ridiculous. I made over {$100000.00} in XXXX. What do I have to do to get approved for a measly credit card? Make 10 Million!? Please excuse my frustration, it is very aggravating when you have dealt with this lingering black cloud for years and then you finally pay it off but the black cloud still won't go away!!!
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Equifax Information Services, LLC. 
XXXX XXXX XXXX XXXX, Georgia XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : US Department of Education- 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 XXXX- XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, I did not give you, Equifax, permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights.
Product: Checking or savings account

I opened a checking account with HSBC, I was told by phone the account needed to remain open for 120 to avoid early closure fees. I complied and then after the 120 days I called again to close the account. Conversation went well I was told the account was closed and I would be receiving confirmation in the mail. Never received anything and the account remained open. I did not want to acquire monthly maintenance fees which is why I was closing the account. Contacted the bank again and now they state the closure never processed and I would be charged a {$25.00} early closure fee. I stated that per my previous two conversation with their representatives it was 120 days and the account should already be closed. Bank will not close my account without the fee and now I will be getting a monthly maintenance fee on top of all of this due to the account remaining open without my knowledge.