23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on XXXX, XXXX  and Experian is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my substance use disorder, I have been in recovery from all drugs and alcohol for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as XXXX, XXXX and Experian, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 3 ). This FCRA law states that after a consumer files a disputes with a Consumer Reporting Agency, the " Notice of Dispute ' has to be added to comments of the consumer 's report. 

I disputed XXXX XXXX two accts. four times from XXXX XXXX- XXXX. XXXX. 
The Open Dispute Dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
**All four Open Dispute Dates were confirmed by Transunion 's Consumer Relations Dept. per phone conversation at XXXX XXXX on XXXX XXXX. ** Not once was the 'Notice of Dispute ' ever added to the comments and they had four different opportunities, As a result of them not adding the 'Notice of Dispute ', I was denied credit three times due the inaccurate reporting of these two accounts.

*I included the following documentation on both accounts as indisputable confirmation of the violation : 1. My Dispute Letters for each account - Dated XX/XX/XXXX. 
2. My Transunion Consumer Report - Dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

When I requested my free credit report from Experian, I paid what I believed to be a {$1.00} fee to obtain my XXXX digit credit score. What I did not know was that Experian also enrolled me into a {$21.00} monthly " membership '', which I still do not even understand what the purpose was. I was charged for two months service without noticing the charges, and finally noticed and requested a refund. The company took several days to respond to my request to cancel the membership, and only refunded XXXX of the XXXX charges.
Product: Checking or savings account

Today on XX/XX/year> I received a text message and email stating to contact Chase bank to help protect against fraud, they will restrict my bank account and may need to close it. So, I contacted Chase bank and they gave no reason why they closed my account and that I may receive my money in 10 business days. As a person who doesnt have a lot of money, 10 days is just too long. They will not help me in anyway.
Product: Debt collection

I have a total of 5 accounts for medical bills with Healthcare Receivables Group. I attempted to pay off two of these accounts, and have those two accounts removed from my XXXX credit report. I was told by the supervisor, XXXX, that the policy with the company was they would not report those accounts as paid in full to the credit agency until I paid off all 5 accounts. I do not feel this is a fair practice as each account was put on my credit at different times, each account has different dates of service, and different amounts. This company has already closed all 5 accounts on my XXXX score even though they are not paid in full. I want to file a complaint because I feel a debt agency should not hold my paid in full accounts " hostage '' for me to pay the entire amount that is owed. Points were deducted from my credit score for each account, so each account that is paid in full should then be submitted back to the credit agency to increase my score.
Product: Checking or savings account

This complaint is in regards to a fraudulent charged that occurred with my checking account/ debit card/ and XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX I received a phone call ( which I missed ) from Wells Fargo XXXX XXXX department XXXX alert me of a suspicious transaction and they wanted to verify if I made the transaction in question. I didnt realize I missed the call so the card was cancelled. Wells Fargo canceled the card due to fraudulent activity being detected. 

I received an email from Wells Fargo alerting me that my debit card in question was added to XXXX XXXX on the same date at XXXX. I did not perform this activity. At XXXX on the same date a transfer of {$400.00} to some other account was attempted and declined. This happened again XXXX minute later. 

After this occurred my XXXX XXXX was removed and then approved on someone elses device. The device in question was alerted to me through a Wells Fargo email I received. Below is the information provided to me from Wells Fargo. 

Device name* XXXX XXXX  * Device number XXXX I have absolutely no idea who that is or what that phone number is. Shortly after {$400.00} was removed from my account and was pending. The {$400.00} withdrawal was processed on XXXX. A provisional credit of {$400.00} was issued by Wells Fargo on XXXX after I contacted the fraudulent claims department on XXXX at around XXXX. 

Upon contacting the claims department I was issued a claim reference number. I received that claim number via email on XXXX at XXXX am. 

After receiving that provisional credit of {$400.00} over XXXX  days later I assumed the issue was resolved. 

Fast forward to XX/XX/year> and I received a notice in the mail that the provisional credit would be reversed since they had completed their research into the claim. I was never emailed regarding the reversal of the provisional credit. 

As a result on XXXX my account has been deducted for the amount of {$400.00} which was originally stolen from me from someone using XXXX XXXX and another device that was not my own. Now I feel as if Wells Fargo is stealing {$400.00} from me. 

This whole event is unacceptable and shouldnt have happened since they originally noticed the fraudulent activity. I simply can not understand how I am being held accountable for this {$400.00} transfer that was not made from my mobile device. 

I need help since Wells Fargo has let me down and stolen {$400.00} from my account.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan and they said I couldnt have it without out life insurance to pay off the loan
Product: Credit reporting

After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing
Product: Vehicle loan or lease

RE Ally Auto Account # XXXX XXXX Since XX/XX/XXXX, my lease with Ally Financial was paid off. In XX/XX/XXXX, I paid the balance of the inception fee of {$160.00}. Although Ally representatives have indicated that the account shows paid in full with no balance, my credit report reflects " Account Paid In Full for Less Than Full Balance ''. Several representatives, XXXX in particular, XXXX XXXX has stated that she escalated this issue to her Supervisor to ensure that the credit report department updates the credit reports. To date, I have spoken to over 6 additional individuals who continue to advise me that my account is paid in full and they will submit a request to the credit department. I continue to receive the same information each time I call but I continue to suffer damages for the incorrect reporting, which has also lowered my credit score. I spoke with a representative on XX/XX/XXXX, and he called me every other day to report the same thing, " I am still waiting to hear from the credit department. They haven't responded. '' This was the same report that he provided to me Today, XX/XX/XXXX. As a result of his response I called again Today, XX/XX/XXXX and spoke with someone again who for the first time provided me with a Case # XXXX and informed me that it will take 45 days. I advised her that I was not willing to wait 45 days because I have been advised of the 45 day wait back in XXXX and I am still suffering the damages as a result of the incorrect reporting and managements inability to resolve this issue with their credit department.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated.

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.

EQUIFAX 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!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED ID THEFT DISPUTE TO ALL THE OF THE MAJOR CREDIT AGENCIES WITH FULL POLICE REPORTS. XXXX  AND XXXX  WE'RE ABLE TO REMOVE THE FRAUDULENT ACCOUNT BUT EXPERIAN REFUSES AND REFUSES TO PROVIDE INVESTIGATIVE DETAILS FROM THE COMPANY IN QUESTION THAT PROVE THAT THIS ACCOUNT IS MINE. THE REFUSE TO BLOCK THIS ACCOUNT AS IS MY RIGHT PER THE FAIR CREDIT ACT
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and have noticed the creditor XXXX XXXX XXXX XXXX has been reporting inaccurate information such as balance owed, date of last payment, date account delinquency etc. Section 607 of the FCRA mandates that information reported to consumer reporting agencies must be accurate and complete. XXXX XXXX XXXXXXXX XXXX  continues to report late payments or fails to update the account status as charged off or written off for profit loss and failing to send a 1099 form. They are violating this requirement by not reporting accurate information. 
Under Section XXXX, XXXX XXXX XXXX XXXX  must ensure that the information provided to the credit bureaus is accurate, and if the charge-off status has been reported incorrectly, it is their responsibility to update or correct the report. Furthermore, this account with this creditor is in litigation and has reported to the FTC and law enforcement and two police reports have been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   I contacted  XXXX ,  XXXX , Experian about a judgement on my report.  XXXX  and   XXXX   had no issues removing this judgement. Experian even after sending all the proof that its been paid they are still refusing to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to check my credit report today and see that this company JH Portfolio is reporting information inaccurately on my report. As you can see with the attachment below this company has purchased A debt from world finance. Showing the last activity date on the account to be  in XXXX. This was A fraud account that I did not authorize and when I spoke with world finance in regards to this they informed the last activity date for the account was XX/XX/XXXX which means the account should not be showing on my credit report after the 7 years. I reached out to this company by mail and have not heard anything back. When I spoke with world finance today ( XX/XX/XXXX ) I was informed to contact A corporate number which I did and left A message but no actual person to speak to. I would like the misinformation completely removed from my credit report as it is illegal to report inaccurate information. If needed I can provide A copy of my credit showing the dates that this company has been actively reporting. I also asked that this company provide me with debt validation. This should show my signature and DL agreeing to such debt and also the date of the transaction will reflect that it was not the reporting dates that this company is reporting. After seven years in Texas it is illegal to report such accounts and it is illegal to report inaccurate information. World finance informed me that the company may be reporting the day that they bought the account. Which is also illegal because they aren't reporting accurate information.
Product: Payday loan, title loan, or personal loan

I have been receiving harassing phone calls from the following phone numbers : XXXX and XXXX. The person calling says, Im XXXX XXXX and we have received a complaint in your name and social security number with our department. This person does not disclose the name of the company he works for but I did manage to find out who they are collecting for Spot Loan. I have used Spot Loan and Im all paid up with them. I do have a new loan out with them currently which I am current with as we speak. I have been scammed out of a lot of money in the past! Is there anything else I can be doing besides sending in complaints? I have blocked the 2 phone numbers mentioned above?
Product: Credit reporting, credit repair services, or other personal consumer reports

account adjustment beareu showing a collection that they stated to me over the phone as closed, but still reflects on my credit report the debt should be closed on my report because I filed for bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Equifax on day XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX, and here is my tracking number : XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Checking or savings account

I opened a checking account at Citibank online on XX/XX/XXXX and funded {$6500.00} on XX/XX/XXXX as part of the deposit requirements of their promotion at that time. However, in the meantime, I was not able to log in to my online account out of the blue, and I was told by the agent that my account was a matter of the closure of their own will. 
I tried to contact the supervisor of Citibank multiple times to find out why my account was forced to close, could not get my fund back from the period of XX/XX/XXXX to XX/XX/XXXX, but was not able to find out anything related to the happening. 

I put my {$6500.00} on Citibank on XX/XX/XXXX and still can not get my money back, which causes inconvenience to me. I don't understand their response to me, and not happy about their poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with theFair Credit Reporting and XXXX Account # 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. 

XXXX XXXX XXXX. Account # XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX Bank. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

I have spoken with all three agencies, Experian, XXXX, and XXXX and asked for an investigation and reported that these accounts contain -fraudulent activity : Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

DeaXXXX XXXX, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. Date of the last payment made on the account. Date of charge-off for this account. I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.
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 ) the credit bureaus 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 Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$830.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX : {$990.00} ; XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$610.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$25.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX