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

My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX   XXXX  XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX  XXXX XXXX, Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX/XXXX  XXXX XXXX Unauthorized and demand strict proof. XXXX/XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 opening account with XXXX XXXX XXXX which is a student loan I been having for 2 years and longer. All three credit bureaus have not been reporting this account open but closed and still showing in good standing. My question is how all 6 account arent been reported to my open history age on my report. Another issue is I having a lot of inquires on my credit report which hasnt been taken off because I havent authorized no one to I pull my credit profile. Lastly, XXXX XXXX XXXX XXXX have not been sending me a bill in the mail for over 3 years but my payment statuses isnt correct and needed those negative payment history to be removed.
Product: Checking or savings account

I opened a M & T bank MyChoice Plus Checking ( Account Number XXXX ) on XX/XX/year> using the promo code XXXX that I received from them. The promo code XXXX was for a {$500.00} sing-up bonus when the requirement is met. The requirement for the {$500.00} bonus was to receive a direct deposit of {$1000.00} or more within 90 days of account opening. 

I received a direct deposit of {$1000.00} from my employer XXXX XXXX University on XX/XX/year>, and thus met the requirement for the bonus. 

However, they have not provided me the {$500.00} bonus as advertised. When I contacted them via secure message, they response was that The promotion stated that offers may vary by region and may not be available in all regions. My research showed that the promotion is only available to individuals living in the XXXX XXXX XXXX. As a result, you do not qualify for this cash bonus. I apologize for the misunderstanding.. and they denied to pay the {$500.00} bonus to me. 

I am not satisfied with this. If they claim the promo is only available for individuals living in the XXXX XXXX XXXX, they why did they send the promo advertisement to me and accepted my application using the promo? If they claim that the promo is available only for those in the XXXX XXXX XXXX, they should not have sent to me the advertisement with the promo code and should not have accepted my application using the promo. Since they sent me the advertisement with the promo code and accepted my application using the promo, they should honor me the {$500.00} bonus. 


I request them to provide me the {$500.00} bonus as advertised.
Product: Bank account or service

XX/XX/2016, I filed a dispute for a charge against my checking account. This dispute was against XXXX. I filed the dispute because XXXX which offers website design and hosting service, removed my website from the Internet and did so without giving me prior notice or an explanation. I pre-paid {$33.00} for the service to be used for my business and as a result of my website being down for two weeks, suffered serious losses. My clients, sponsors and donors rely on my website for information, resources, etc and no business was able to be conducted during the time frame that my website was down. As of today, I have no idea why my website was taken down. I have asked Suntrust Bank to issue a refund for a service which I did not receive in accordance with the terms and conditions provided by XXXX. 

It has been 90 days and no action has been taken on this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$5900.00}, {$550.00}, {$1700.00}, {$7700.00}, {$6800.00}, {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$6800.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX TXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

Was impacted with the crash of XXXX, then XXXX trade center incident put him out of business. Now this year COVID.
Product: Debt collection

On XXXX XXXX  I received a notice from XXXX   XXXX saying they were collecting on a debt I owed. They mentioned a Usi Solutions and. XXXX   XXXX  XXXX  XXXX. It said that I owed $XXXX but would accept $XXXX if I paid now.I never had business with either of those companies. It is unnerving to get this kind of letter.
Product: Credit card or prepaid card

These big banks are so misleading when it comes to rewards/points. On XX/XX/XXXX, I redeemed points I had on my Barclays MasterCard and paid my bill a couple of days later. When I received my statement after it dropped on XX/XX/XXXX more than 10 days later, the statement said I had earned XXXX points. However, when I called to redeem my points the supervisor XXXX   Empl # XXXX  in Nevada told me I only had XXXX  points. When I asked what happened to the other XXXX points, she said I had redeemed them XX/XX/XXXX. I asked her why it would list points over 10 days after I had redeemed them, but then they disappeared somehow, she said I had redeemed them already. I told her to list points like this on the statement without a line showing that the points had already been redeemed was false & misleading. XXXX didn't agree.
Product: Money transfer, virtual currency, or money service

I submitted on Sunday XX/XX/XXXX through the Apple wallet a transfer from the Apple Savings account to my linked checking account. It said it would take 1-3 business days. On day 4 the company has not sent the funds to my bank, and they are not accessible to me. They keep putting me on hold when I call and avoiding sending my money.
Product: Checking or savings account

I was charged XXXXXXXX XXXX XXXX XXXX for charges that were made to my account prior to my account being overdraft. I was charged XXXX overdraft charges for items under XXXX $ that was made days before my account went into XXXX  and before that they charge me almost XXXX XXXX XXXX XXXX XXXX  for a similar issue, charged not posted but funds pending and they charged for XXXX $ over for all charges that posted if my account went into XXXX  for XXXX $
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the erroneous addresses that persist on my credit report. Despite having submitted previous dispute letters regarding this issue, these incorrect addresses remain on file. I am hereby requesting their immediate removal from my report. These addresses are not associated with me and bear no relevance to my credit history. I have already provided the necessary documentation to verify my correct address and have requested the removal of these inaccurate entries. 
However, despite multiple appeals, these errors have yet to be rectified, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of these false addresses may lead to confusion or inaccuracies that could negatively impact my creditworthiness XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Checking or savings account

Reference claim ID number : XXXX Chime XXXX XXXX, denies my claim of numerous fraudulent charges. 

They approved some of the transactions from the same merchant and was able to get some of my money back, but they are denying the rest. 

They have not sent me any documents or reasoning behind this. The case is now opened for nearly 60 days.
Product: Debt collection

I have never taken out a loan with Nelnet. Despite that fact, they claim that I owe them more than {$11000.00}. Since XX/XX/XXXX they have been reporting this on my credit report. Around XXXX, I attempted to find out who claimed I owed this alleged debt. More recently, I attempted to clarify this again. As Nelnet has refused to send the wet ink contract or Promissory Note. Since then, they have and are currently reporting late payments to debt I do not owe Nelnet. This has resulted to slander of my name.
Product: Debt collection

Hello, and Good Day to you. I'm reaching out in attempt of rectifying this matter for the above account. I noticed that this account was charged off and you claimed a profit loss with the IRS. I'd like to file this account on my taxes and I've never received the 1099-c. Please send this immediately to my current address on file. The ( XXXX XXXX ) address will suffice. Thanks in advance.... 

Also I'd like to know the date of first delinquency according to your records..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem getting this year 's CR from Equifax. My last Equifax CR is dated XX/XX/XXXX. I called the 1-887 phone number on XX/XX/XXXX and ordered my federally mandated CR from Equifax. I did not receive the Equifax report. I called again on XX/XX/XXXX and ordered my CR from Equifax. On both occasions I was told I would receive my CR in two ( 2 ) weeks. I have not received my CR. On Sunday, XX/XX/XXXX I called a " help line '' XXXX. To ask why I did not get my CR. I was asked numerous questions regarding my account at Equifax. I was told to submit my name, address, phone number, a copy of my " identification '' and social security number to XXXX. XXXX XXXX, XXXX, GA XXXX asked why all this trouble to get an Equifax CR. The person on the end of the line said she did not know because the call center is in the XXXX. I found this alarming because I gave her personal information including my social security number. This is unacceptable in my opinion. Further, why didn't Equifax send me a query the first and second times I ordered a CR. Please help me get my Equifax CR. Thank you.
Product: Debt collection

Starting in XX/XX/2022 I needed financial help so I turned to APEX. I was told to only pay {$500.00} although my mortgage was XXXX XXXXand they would turn this into XXXX - mortgage lender. I had to put the {$500.00} on a VISA card monthly and give them call with VISA number. 
I learned in XXXX my mortgage was still in jeopardy as APEX never sent any of the {$500.00} to them. 
I am now working back with XXXX making monthly payments on time. I need to report APEX for taking my funds illegally. 
Phone number - XXXX Contact name - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing an updated copy of my Credit Report, it is clear that the Credit Bureuas have done nothing in order to completely remove the items I previously disputed. I sent a letter to the Credit Burueas on XX/XX/2022 with intent of having the fraudulent items be removed from my Credit File. I have read that the Credit Bureaus are required to remove any accunts and information that a consumer identifies as an item incurred due to Identity Theft. The items I am disputing do not relate to any transaction that I have made or authorized, neither did I received any benefits from the theft. I am submitting this complaint in hopes that the Credit Bureuas woulkd eventually take action and have the items investigated and removed from my Credit File. The following items must be removed from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Mortgage

In approximately 2010 I was denied to refinance my house on XXXX XXXX XXXX in XXXX XXXX, idaho XXXX. I was pregnant and going through a difficult time. My ex XXXX my daughter so I lost his income and tried to refinance my house and got zero response from Wells Fargo so I lost my house I lived in for 11 years!!!!
Product: Debt collection

This KIKOFF Lending LLC. is not a real company. I called their phone number XXXX back in XXXX to see what this charge is about. The phone went to a dream destination automated system. I filed a dispute with experian and they checked for me if this was a valid claim or not. For some reason this company mentioned it is but never sent any confirmation or letter on this matter to me. So I called them and they do not answer. I sent them an email and they stated the company is small and only one person is helping at the moment. Please help me stop this madness.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, back in XXXX there was identity theft on my account. I spoke to XXXX XXXX  about it and they were going to remove the 2 inquires. It's been a while its not XX/XX/XXXX and these things still show up. Under the fair credit reporting act 609? Shouldn't these be off? again I never authorized this. They removed from XXXX  just not equifax. I will show u that that they are not on XXXX. thank you
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions I have made or authorized. FTC Report attached. 



Account : XXXX Account : XXXX  Removed as a collection but Shows as a closed Account on my credit file. 
Account : XXXX  XXXX Removed as a collection but Shows as closed and reports a late Account : XXXX XXXX Removed as a collection but Shows as a closed Account on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 3 repeated attempts to notify Equifax of 3 unauthorized hard inquiries on my report they refused to remove or investigate inquiry with the company they release my credit file to without my consent. these company show up on my Credit report XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX without my consent, written or orally. I did not give it, So I ask Equifax to delete iimmediately and they continue to refuse. 
They refuse to provide me any evidence of any authorization, nor any permissible purposes as I have continuing been requesting. 
So in leu of that according to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports, can only be released, if initiated by the consumer with his or her permission. I did not initiate access to these companies. Produce documentation or Delete Immediately. 

Equifax needs to delete hard inquiry for XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX  for releasing credit file with out my consent and failure to show proof of authorization
Product: Money transfer, virtual currency, or money service

I created a Coinbase account a made a transfer for {$550.00}. My funds said they would be available immediately and the fees were {$8.00}. My account only received {$530.00} and has a 10 day hold I was not told about. It was also advertised you would get to spin a wheel for up to {$200.00} but they never let me do that, so theyre also false advertising. I tried to contact them to cancel the transfer and to get them to delete my banking information but they refused
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I spoke with Bank of America 's representative XXXX XXXX about financial hardship my family has been experiencing. I explained that I lost my job and my husband lost half of his income since Covid-19 started and I needed help not to get behind. She told me the only thing they can do is to put me on the plan that will lower my monthly payment by a slight amount and I will still be responsible for all late payments and fees without any lowering my super high interest rate. I explained to her that it will only make the situation worse and incrrase the debt when I wont be able to make a minimum payment. Ms. XXXX repeated that she cant do anything else and when I asked her to speak with her manager she said she is the only one I could speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX my ex husband was late on the car payment with XXXX XXXX XXXX XXXX, Because he was not on time with his payment my credit score and report were and are still being effected. His failure to comply with court orders is preventing me from moving on and providing a place for our daughter and myself a place to live. I have worked very hard to repair my credit and have had no late payments in 4 years except this one from my ex husband. I believe that in goodwill the derogatory report should be removed because it was not my fault and the vehicle should have been out of my name if the ex had followed court agreements 2 years prior to the late payment in XXXX. I still have to suffer because of his negligence even though we are no longer married. In XXXX there was a court ordered agreement that he insisted on keeping the vehicle a XXXX XXXX XXXX. He agreed to have the vehicle refinanced and my name removed from the vehicle loan which he failed to do by XX/XX/XXXX. I filed for our divorce and included in our separation/divorce agreement there were two separate times he again agreed to have the car refinanced and my name removed from the vehicle. Which he failed to do, I filed with family court a '' Rule to show cause '' why he was unable to follow through with our legal agreement. the court gave him 4 months to have the car refinanced. We were scheduled for another court hearing on XX/XX/XXXX he did not appear for the hearing and claimed he was out that day having the car refinanced. He was able to refinance the car and have my name successfully removed. The loan with XXXX XXXX was paid off that was the only late payment ever made on the account. I would like to put this behind me and move on with my life.