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

On XX/XX/2018 there was an application for a credit card with XXXX   XXXX  reflecting on my file. I immediately contacted XXXX XXXX and they confirmed the application as fraud and cancelled it. They assured me that they would send me a letter stating such and have it updated with all three credit bureaus. XXXX XXXX did indeed send me a letter as well as updating the bureaus as two of them have complied. Unfortunately. the inquiry remains on my Equifax report. I have sent several letters and have spoken to several representatives and managers at Equifax and they state that they can not remove it based on the information I have provided as they need an electronic transmission from XXXX XXXX. I participated on a 3-way phone call with a manager from Equifax and XXXX XXXX discussing how to get this removed. XXXX XXXX agreed to send he electronic transmission again. However, they would have to send it to all three bureaus as they can not send it only to Equifax. I agreed as the other two had already removed the inquiry as it was added in error. Equifax has yet to remove this inquiry and this is making it difficult for me to obtain good credit. Net month will make it an entire year that Equifax has not complied with XXXX XXXX. Please help me with this matter.
Product: Credit reporting

I show a hard hit on XXXX for a company XXXX that i do n't recognize and i did not authorize. I am concerned someone could be trying to steal my info.
Product: Credit reporting or other personal consumer reports

I have tried registering online at my.equifax.com numerous times. after a fill out all needed information in application. It brings me to a page saying ; " Please give us a call We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' So then I gave customer service a call. The phone operator informed me to mail specific documents. So told me to mail a copy of government ID or driver license and the provide a a copy of social security card and then provide a cover letter talking about issue I want resolved. After I mail that the issue should be resolved. Then asked how will you guys contact me or notify me when is issue is resolved are in the process of being resolved. I said should I provide email or phone number she said no. I said how will I know if documents got to thecompany or if you resolved the issue or not. She said just send the documents and you should be good and issue resolved. She Then provided this address to mail documents to Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Documents have been mailed but issue not resloved yet. I've been hearing many other complaints from other consumers online with similar issue I'm having about mailing needed to documents that equifax request to resolve the issue and get your account back and see credit score again but nothing has been done after other consumers mail documents to equifax many weeks to months later. Also many complaints about numerous phone calls given issue still not being resolved. I heard from many other customers easiest and fastest way to resolve issue is to a file CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Product: Checking or savings account

I received a promotional offer from Citibank in XX/XX/XXXX to open up a Citi Priority Account and get a bonus XXXX XXXX XXXX miles with the following requirement : - Post consecutive billpays - Make {$750.00} in debit card purchases in 60 days from account being activated I took them on the offer and opened an account in late XXXX. 

I received the welcome letter from Citi on XX/XX/XXXX, created my User ID on XX/XX/XXXX, and received an email notification from Citi on XX/XX/XXXX stating that my account is active and ready to go. 

At this time, Citi sent me an ATM card instead of a debit card in my welcome letter. 
I am unable to use an ATM card to make debit card purchases in order to meet the requirement. I then gave them a call late XXXX to request a debit card so that I can make purchases to meet the requirement. They agreed to send me a debit card in the mail. A week and a half letter I received the card in the mail from Citi, but it turned out to be another ATM card instead of a debit card. I called them back and they told me that they will send a debit card again. I finally received my debit card in late XXXX, where I then proceeded to complete the purchase requirement by spending {$1000.00} by XXXX. 

I called Citi to confirm that I have met the requirement of the promotion, and they said yes I have and to wait 90 days to receive the bonus miles. 

It is now XXXX and I still have not received my bonus miles. I proceeded to call Citi, where they confirmed again that I have met all the requirements and that they will be opening up a case to investigate why my bonus miles have not posted. 

I received a letter by Citi in early XXXX stating that I do not meet the requirements of the promotion because I did not meet the purchase requirements. I called Citi and they said that the 60 day spending window ended on XX/XX/XXXX and I did not spend {$750.00} by that date. 

I think this sketchy and dishonest behavior due to the following reasons : - The terms said that I need to spend {$750.00} in debit card purchases in 60 days from the account being activated. 
- I received my welcome letter on XX/XX/XXXX & my account was fully activated on XX/XX/XXXX. 
- Citi sent me an ATM card, which I can't use to meet the debit card purchase requirement. 
- When I asked them to send a debit card, they sent me another ATM card instead. 
- I finally receive my debit card in late XXXX. 
- I met the spending requirement on XXXX, which is less than 60 days from the date my account is fully activated.
Product: Checking or savings account

Wells Fargo charged my account several overdraft fees when the account was not low. They moved money or did not authrorized transactions causing a lot of fee over 5 to 10 years. Class action lawsuit against Wells Fargo.
Product: Credit card

On XXXX/XXXX/15 I arrived at airport to find that my flight dates were incorrect. I had to transfer dates and was told the fee would be {$320.00}. When I arrived home and checked credit card statement I found that there was an additional {$200.00} and {$35.00} fee charged on my account. I contacted XXXX XXXX and my credit card company immediately to dispute these charges as I did not agree to these additional charges and they were different than the actual charge I was told by the employee at the time of the transaction. I have paid the {$320.00} that I was told would be the transfer fee but the additional charges are inaccurate and I do n't feel that I should have to pay for charges I was not made aware of at the time of the transaction.
Product: Credit reporting or other personal consumer reports

I sent letter with details of my name with a picture of my REAL drivers license, issued by my state of XXXX, Experian refused to update, now iv a wrong spelled name that shows " XXXX XXXX XXXX '' There are XXXX phone numbers on the report and i own only XXXX of them,.. 
However it seems like they were willing to update my place of employment Report # XXXX for XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of unauthorized inquiries on my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following hard inquiries were not authorized by me : Unauthorized Inquiries : XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please see the attached letter; please note that I am submitting the complaint against ALL three bureaus : XXXX, Experian and XXXX. 

There are several documents ( verifications ) that will be submitted too. 

If I have to submit for each bureau ; please refer to this original-first submission for ALL the documents/ Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This nightmare began with with my trying to dispute simple information and ended up in them deleting the positive accounts like my XXXX XXXX to completely freezing my whole account. This caused me to lose a home i was try ing to purchase im at wits end and prepared to get an attorney to sue them.
Product: Payday loan, title loan, or personal loan

After financial hardship, my loan account from Moneylion that I took out at the beginning of the pandemic went into collections. As of today, XX/XX/2022, the payoff amount is {$140.00} as reported to XXXX, but when I tried to pay the amount on the moneylion app, the loan account wasn't showing and the app wouldn't let me cancel the unused membership without paying off the loan first. 
Since I couldn't find a way to pay it in the app, I logged into the website on my browser, and the website said " Looks like we are unable to process your payment at the moment. Please login to the mobile app to make your payment there instead '' I then called customer support at ( XXXX ) XXXX, where they told me the payment amount is now {$170.00}. Although the difference is {$30.00}, this is still a lot for me, as I've had to save up to have the {$140.00} available to pay it off. The customer service representative on the phone was unwilling to tell me why the balances were different, and demanded that I pay the full {$170.00}. I was unable to come to an agreement with him, as I'm only capable of paying the {$140.00}.
Product: Mortgage

When we were purchasing our home, we were told that it had a perfect " Third party inspection report '', we were also convinced that it did not have XXXX or XXXX pending on the property, Because A. They were no XXXX or XXXX listed on the disclosure or home description, the Realtor said there were none when we inquired, who was selling the home, and the Buyer who showed up at the showing, when asked if there were any building restrictions, never mentioned the XXXX against the property. After we signed everything, we got a email from First American Title with the XXXX exposed. We told our Realetor we did not want the property, he said we needed to come down and sign the amended home disclosure, and that we could get out of the property and our XXXX ernest money would be returned. We waited XXXX days as we were told, and then were told we needed to file a law suit to get our money back. We told our agent NO XXXX or XXXX 's, we asked the agent, we talked to the owner, they all denied it, as well as the intial listing and disclosour having no mention of them. We were threatened with a lawsuit or lose our ernest money. I read an article about your ORg. in a magazine, I was elated to know I could vent this, I felt totally backed into a corner, with no way out. I felt that the First American in XXXX XXXX was at fault for disclosing this info late, the realtor was at fault for not disclosing this info at all, and the owner did not disclose this info when asked. And the realtor said we could sign and disputed the amendment to the disclosure. His manager said we had to take the deal or lose our money, he even said that " nobody reads that stuff '', This place had fell through XXXX before we bought it, I know they knew of the XXXX 's. I may have to eat this house, but when I read your article in a magazine, I felt that you could confront them and there less than fare Tiltle and Mortgage practices. The Realtor was XXXX XXXX XXXX of XXXX XXXX, Wa and the Title Company was First American in XXXX XXXX, WA They knew what they did was wrong, and they intimidated us to win.
Product: Vehicle loan or lease

I applied for a loan, in order to Purchase a Vehicle. The action, the company took, was to Deny me an Extension of my Consumer Credit.
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 name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXXXXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXXXXXX XXXX XXXX # XXXX Account name : TOTAL XXXX, ACCOUNT # XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX 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.

THEY DO NOT HAVE MY WRITTEN CONSENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$3000.00} DEPT OF ED/XXXX XXXX {$3000.00} DEPT OF ED/XXXX XXXX {$3000.00}
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Checking or savings account

On XX/XX/2022 I went into a Chase branch to sell my Truck. The buyer was a Chase client as well. We obtained a payoff amount on my truck loan and the buyer came in with a cashiers check to pay off my auto loan. The balance or equity I had on the vehicle was supposed to be transferred from Buyers Chase savings account and deposited into my Chase checking account. But the teller made a mistake and applied the full amount ( XXXX ) towards the auto loan overpaying it by almost {$20000.00}. Chase auto has been holding those funds and not releasing them to me causing me to not be able to purchase another vehicle I had on order for over 3 months in addition to having to run up my credit cards. Its XXXX XXXX with no resolution.
Product: Credit reporting or other personal consumer reports

I previously reviewed a copy of my credit report and found fraudulent accounts, please I need them deleted because it is hurting my ability to receive credit and this is against the fair credit law.
Product: Credit card or prepaid card

I have a discover card that was opened with a credit limit of XXXX in XXXX of XXXX. I have never missed a payment on this account or any other account since this was opened. Since XXXX of XXXX I have bought a house, refinanced, as well as opened new accounts since XXXX of XXXX. 

Today XX/XX/XXXX I went to see if my last payment had posted to my account. To my surprise it said I only had XXXX available and my credit limit was XXXX. I thought my account had been had or it was a mistake. I contacted discover to only find out they had supposedly reevaluated my account and changed the limit to basically the balance on the card ( XXXX ). Please note I received on new statement on the XXXX stating my limit was XXXX, but they said a review also done on the XXXX and they adjusted to XXXX. 

This was done for 3 factors according to them - only pay miminum or close to the minimum - new accounts - seeking credit I have talked to the agents twice and it was stated there was nothing they could do. I can understand not increasing my limit but decreasing it to make it appear as the card was almost 100 % maxed out is ridiculous. This will affect my credit score for reducing my available credit as well increasing my credit usage. My credit score should not be dropped when I have done everything to keep this account and every account i have in good standing. This will have detrimental effects on my credit that I will have to find other ways to over come because of this shady business practice. 

If my life is never supposed to change to maintain a credit limit then this should be advised. Never mind during the middle of a Pandemic, this practice should be illegal as it significantly reduces my ability to ward off any financial hardship my family may face at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. The require the 3 credit bureaus to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because my credit reports include fraudulent information. On XX/XX/XXXX, I submitted a dispute letter with all of my personal information attached to the credit reporting agencies. I have reported the theft of my identity to the FTC because I am a victim of identity theft. The things I'm contesting have nothing to do with any purchases I made or gave my permission for, and I didn't gain anything from identity theft either. The Credit Reporting Agencies are obligated to delete any accounts and information included on an ID Theft Report in accordance with FCRA section 605b. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims was obtained through identity theft no later than 4 business days from the date of receipt. I'm asking the credit bureaus to abide by the law and delete the following things from my credit file since they were caused by identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a Home equity line with US Bank on XX/XX/XXXX, Account number XXXX with approve credit line of {$150000.00}. 
From that date, I never use this Account. I moved to Texas in XXXX, and close checking, saving Account with US bank but not Home equity line. I have note them my new address at Texas, and they have send me the Premier line XXXX date XX/XX/XXXX. From that date, I did not receive any information, statement from them. 
Up now, when I check from credit report, I know that there are a balance of {$63000.00} from my Equity line account. I call them and they said that is annually fee charge of {$90.00} and that charged is for 9 years. I complain why they did not send us any statement or XXXX to report this charge, they said that may be I did not update the new address!? As above mention, I have receive their Premier line XXXX card on XXXX, and my daughter live there in the house at California ( House that I apply for this equity line ) she did not receive any paper from US Bank. The manager told me that the fee charged is not refundable. 
I really feel bad about this and want to ask for help.
Product: Credit reporting

I was a victim of identity theft, and for the second time im receiving a negative consumer report, in which I disputed the false allegations once before and I will be disputing this report again because it was not me, I was never put in such a criminal situation. I was able to get a position at the same company in question, and they also had a background check done and I disputed it and I was able to work with the impression that the negative report was removed from my name. I need it to finally be removed.
Product: Credit card

I called Citi for the third time this year to request a reduction in the interest rate for a credit card that I have had for 15+ years. They denied my request each time. I began making automatic payments of {$950.00} a month 1 year ago. My balance in now under {$3000.00}. They continue to charge me 28.9 % interest. Now, my interest payments are greater than the costs of any charges on the card, should n't they reduce it? Whenever I call, I ask to speak with a manager. This time they told me " marketing '' sets the rates on cards! I asked for a manager again, was put on hold for 8 minutes, then cut off. Bad bank, bad policy, bad service. Ca n't we today this card off.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following accounts from my credit report. These accounts were opened fraudulently and are the result of identity theft. The details of the accounts in question are as follows : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX I did not authorize or open these accounts, and they are not related to any transactions or debts that I am responsible for. I have already reported this issue to the relevant authorities and have filed an identity theft report. 
I HAVE ALSO INCLUDED MY FTC IDENTITY THEFT REPORT ALONG WITH THIS COMPLAINT
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX