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

Somebody used my social security and personal information to apply for credit. Netcredit did a hard credit inquiry at XXXX. The search showed up on XXXX XXXX and I call them and stopped the credit from being issued. Since then I have tried to get the account cancelled and have tried to get the inquiry removed from my credit report. I have done everything they asked including getting a police report. They have refused to cancel the fraudulent account and have refused remove the inquiry from XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX : # XXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian is reporting a negative payment history in XXXX XXXX for a XXXX XXXX account that was settled in XXXX XXXX ; since the account was settled in XXXX XXXX, there should be no negative payment history following that date. We have previously disputed this both with Macys ( ref CFPB complaint XXXX ) and with Experian. XXXX XXXX response agreed with my complaint and stated, " On XXXX XXXX, XXXX, we requested the credit reporting agencies to update their records to remove the delinquency that was reported for XXXX XXXX. '' However, as of today, XXXX/XXXX/XXXX, Experian still has not updated my credit report to remove the delinquency being reported for XXXX XXXX ( see attached credit report ). The erroneous reporting of a recent negative payment history has a severe impact on my credit. Since the account was legally settled in XXXX XXXX, the reporting of negative payment history in XXXX XXXX falsely represents the true status of the account, a fact with which XXXX agrees and has tried to correct. Apparently Experian refuses to correct this error, even though instructed to by the information furnisher, XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used two different credit cards at check out to pay for my room and the room for the Fire Captain assigned to escort my husband 's body back to the U.S. When I checked online banking records on XX/XX/XXXX, I discovered that the XXXX XXXX XXXX had used card XXXX for both rooms while also using the correct second card XXXX for the Captain 's room. I filed an online dispute with Navy Federal on XX/XX/XXXX. After providing NFCU with multiple proofs of the duplicate charge ( the separate folio payment records from the hotel ), NFCU sent me a letter dated XX/XX/XXXX that advised they found no error and they were recharging the account. Included with the letter was proof that the second card ending in XXXX had indeed been charged for the second room. Despite this, NFCU posted a THIRD charge to card XXXX. I have attached a screenshot of all transactions concerning the XXXX XXXX on card XXXX showing the three room charges for transactions on XX/XX/XXXX ( check-out from the two rooms ) with two posted on XX/XX/XXXX and one posted on XX/XX/XXXX. ( Please disregard the smaller charge of XXXX. This was for drycleaning. ) Therefore, Navy Federal refuses to acknowledge that they have now facilitated/honored FOUR charges to the XXXX XXXX for the two room charges on XX/XX/XXXX : three on card XXXX and one on card XXXX. By the hotel 's own legal VAT invoices ( attached ) for these overnight stays, only two charges are legitimate.
Product: Credit reporting or other personal consumer reports

Experian has been reporting fraudulent information on me for years. Normally, I would dispute the inaccurate information and request for an investigation. However, they have went even further by reporting false criminal information on me. This false and unauthorized reportings have caused me to lose multiple jobs. I have disputed the criminal information repeatedly. I have made police reports after police reports. Yet, the still report the information as though its been verified. The XXXX XXXXXXXX arrests totaling 3 different occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting wrong address and name
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$13000.00} XXXX XXXX {$300.00} XXXX XXXX   XXXX {$98.00} XXXX XXXX XXXX {$26000.00} XXXX   XXXX {$8500.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$1200.00}
Product: Checking or savings account

In response to my first complaint XXXX XXXX XXXX XXXXXXXX XXXX called me and said there were 2 cashier 's checks sent to me on XX/XX/XXXX and a third check was sent on XX/XX/XXXX for the 3 accounts PNC bank closed without good reason, totaling {$29000.00}. I reminded XXXX on Thursday, XX/XX/XXXX that I am very low on funds and I must get some money as soon as possible. She made a reference to her need to stop payments on the original checks after so many days and promised to expedite payment to me. I asked her if she could wire funds to my bank as I am in financial distress. She answered no they won't do that. She promised to check back with me today but she did not call. 
It has been 18 days since PNC closed my accounts and I have yet to receive a XXXX of my money while I am going to be in arears with my bills and financial obligations. They are not being helpful nor are they expediting anything. They don't even call back when they promise to. How long must I suffer this financial hardship while they disinterestedly drag their feet? When I ask them why they have done this to me, a customer in good standing for 38 years, they answer that they aren't required to disclose their reasons for taking this action against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting inaccurately in Transunion. I do not recall having accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I request a signed contract which will demonstrate a legal agreement. Please validate this information and provide me with copies of any documentation associated with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting agencies are preventing me from obtaining any credit whatsoever by not furnishing an accurate credit score. With this, I can not build a credit history. Experian for example, when I go onto their site, check my score and they show can not be shown. However when I go to the score tracking they have it shows a score XXXX as of XXXX XXXX shows me to have a score of XXXX ( via XXXX XXXX ) and XXXX a score of XXXX. I do have a credit monitoring service and all my reports are good to exceptional with the exception of History. Yet, these agencies are not accurately showing lenders my score. These Hard Inquiries are hitting my credit report in a very negative way. I got a pre-approved credit card offer with a credit line of {$500.00}. Good to start with, so after I gave them all my information, they DENIED ME because of the misinformation XXXX provided them. After reviewing my reports, there is absolutely no reason for denial. So this is an unfair practice. And with all these Hard Inquiries, it looks bad on my report and furthers the denial decisions! I told them to take them off, and they refused. Companies like this has a very adverse effect. I apply for a loan or a credit card knowing I have the funds to pay off AND Sill I'm denied. This is totally unfair! Also, XXXX made a grave error by giving XXXX XXXX my score as being XXXX instead of the XXXX in which I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX  XXXX XXXX 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: Student loan

For two years now Ive been trying to get my student loans to a payment I can afford. When did the consodulation through student.gov in 2016 my payments should off been around {$87.00} After I received the information from navient it came back at payments of {$1000.00} each month which clearly I couldnt afford. Ive called them and they keep asking me to change and do different applications for payments. Theyve lost my paper applications and now this is the 3rd application I submit and still they tell me that my only options are repaye or forbearance. They wont work with me on a payment I can afford. In the meantime I have {$1000.00} in interest alone each month accruing on my loans. My balance is now almost {$200000.00}. Please help me!!! 
I dont know what else to do!! 
Please call me XXXX XXXX XXXX
Product: Debt collection

The collection agency XXXX XXXX XXXX constantly sends me notices for an account that Ive never opened due to identity theft that occurred over 8 years ago. Its for a Capital One credit card and the balance theyre trying to collect is {$840.00}. Ive repeatedly advised them that I never opened this account. Im a victim of identity theft. Ive sent faxes and letters which theyve received. Now as of 2 years ago that fraudulent account has dropped off my credit report because of Statue of Limitations per New York State law. Now theyre constantly sending me letters stating that theyre well of aware the statue of limitations and legally i no longer owe this balance. Theyre using sneaky scare tactics trying to get me to pay for something that Im not responsible for. I used to work for a collection agency and I know these tactics. I told them to cease and desist. They ignore my demands despite they cant legally pursue me any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed accounts on credit file That are not mine. Proof of ownership has not been verified. These accounts listed on file do not belong to me. I havent been given any proof of ownership
Product: Money transfer, virtual currency, or money service

My complaint is with my bank Wells Fargo, My phone was stolen on Sunday XX/XX/XXXX early morning around XXXX am. Someone was able to login to my online banking account and make fraudulent transfers to themselves. There was a total of XXXX fraudulent transactions, that went through, without my bank blocking them. Here is a list of the transactions, XXXX transaction for {$2000.00}, XXXX transaction for {$1000.00}, XXXX transaction for {$500.00}. They also initiated a cash advance transfer to the checking and preceded to send our more cash via apple pay totaling to {$2000.00}. A grand total of {$5500.00} was withdrawn from my account via online banking without getting in contact with me. This is my primary checking account that I pay all my bills out of, and it completely emptied out. Also, I have never in my life processed a cash advance from a credit card. I am very frustrated with Wells Fargo for allowing all these transactions to go through without putting a hold on my account. I contacted them within 6 hours and my claims have no resolution, it has been 4 days. I have been credited nothing I am currently unable to pay my rent, and other expenses. As well as them increasing my credit card balance, it is going to affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became a XXXX XXXX XXXX XXXX  XXXX veteran. At the time I had good and excellent credit scores with transunion and equifax. 

a benefit I applied for was an XXXX XXXX charge card. I got the card with. {$5700.00} credit limit. 

My credit scores immediately dropped by 120 points because I got the XXXX XXXX card. I am debt free and had no credit problems before this event. 

Now my credit scores are in the 500s and 600s down from the mid 700s just as I was approved to buy a home by my credit union. Now, my suddenly poor credit will be used against me in every arena all because I got a military charge card that I havent even used. 

So, in essence, Equifax and XXXX  are telling the world Im a poor credit risk suddenly because I got a XXXX charge card. As far as im concerned, this is criminal defamation of my character because I pay all my bills on time, everytime. 

These credit reporting agencies need to be invested for ruining peoples lives and reputations like they did mine. 

Im XXXX years old and dont have time to rebuild their opinion of my fiscal responsibility which is excellent despite their algorithmic opinion of me as an individual and American Military Veteran. 

They have ruined citizens lives numbering in the millions all the while enjoying the fruits of their corruption. 

Shut them down and start a whole new system to determine credit worthiness period!
Product: Money transfers

I, XXXX XXXX am a permanent resident here in the U.S. and have been using www.transfast.com for sending money to XXXX for past 6 months. This time I initiated a transfer with this company on XXXX @ XXXX PST for {$3300.00} and eta to remit this money was 3 business days as per the website i.e by XXXX. Transfast debited my bank account for {$3300.00} on XXXX and till XXXX i.e. even after the XXXX there was no communication from them. 
Finally on XXXX @ XXXX PST i.e. Thu night, an analyst ( XXXX XXXX XXXX XXXX ) sends a mail asking for additional documents like US ID, passport etc. to complete the transfer. It was frustrating to realize that my money is still not begun its journey and almost after a week Transfast is asking for additional documents. I decided not to do business with this company because even if I send the documents, I will get the money only after XXXX i.e. next Monday. Therefore I informed Ivee to cancel this transaction ( XXXX ) and send me the refund. She asked me to write a mail to XXXXXXXXXXXX which I did on XXXX @ XXXX XXXX and requested them to call me and provide eta of my refund. Because, I am in a situation now where I need at least XXXX XXXX XXXX ( XXXX. approx USD XXXX ) in my bank on XXXX and I am not sure if this transaction will be completed by next Monday. Also since XXXX is XXXX hrs ahead of US time their day will be over before US starts work. 
To avoid this situation I had to borrow this money from my friend in XXXX and will return him back when I get my money. 

Therefore next day i.e. today morning ( XXXX ) I called Transfast helpline no. XXXX and on first attempt I waited for XXXX minutes on call since I was XXXX in line and when my turn came, before someone could talk to my line got disconnected. Again I dialed, XXXX in queue this time and spoke to their call center executive XXXX. I explained him the situation and asked XXXX things 1. When will I get my money back in my bank account 2. Why my account was debited first if there was problem with my documents. XXXX informed me that it will 3 to 5 business days to get my money ( i.e. XXXX to XXXX ) and that money was debited because their ACH team does that process irrespective of the fact whether customer has provided the documents or not. Thereafter I spoke to XXXX the customer center manager but she was adamant not to listen my problem, but insisting me to wait and follow the process. I think the Transfast process has BIG FLAW and they are using customers money and making huge profits because of currency fluctuations of dollar vs XXXX. 
I request CFPB to look at my case and penalize Transfast as much as possible. 

My complaint against Transfast.com is to compensate me for this embarrassing situation and return my money asap. Because they should have -1. Not accepted my request if they wanted more documents2. Not taken money from bank account if I was not compliant as per their policy3. Informed me on XXXX or XXXX itself that I am not compliant to transfer moneyKindly help. 

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

XX/XX/2020 I was unable to obtain free credit report from Equifax. I was also unsuccessful in placing a credit freeze with Equifax, today, as well as over the past three years. Equifax wants me to mail copies of drivers license, social security card and other documents ; with no guarantee of safety or access. The two agents I spoke to today said they could not access my account. This is just Equifax runaround way of making it difficult to obtain the credit report or to place a freeze. 
Their website indicates my account and personal information was impacted in data breeches, yet they want to be in possession of my personal documents to subject them to future breeches. I had no problems obtaining credit reports, and freezing my credit with the other 2 agencies. Equifax said they can not help me and do not care if I contact you. I have tried to resolve this issue with Equifax for three years. By making it difficult to obtain personal credit reports, they increase the chances of identity theft.
Product: Credit reporting or other personal consumer reports

I've requested why the disputes I had made were never addressed after a violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. I've requested a FDCPA verification request for a formal dispute of inaccurate credit information and requested formal demands for proof of valid contracts to XXXX XXXX accounts and XXXX XXXX XXXX XXXX XXXX account on XX/XX/year> and never received a response as of XX/XX/year>. 

I've requested to have all 3 of these removed by XXXX and have the XXXX XXXX XXXX XXXX account removed by Experian as they only removed two of the XXXX accounts. They are failing to do this and are in complete violation of the FDCPA act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/XXXX I notified Experian that XXXX XXXX in the amount of {$850.00} and XXXX XXXX in the amount of {$7600.00}, XXXX  in the amount of {$57.00}, XXXX XXXX in the amount of {$76.00} and XXXX XXXX in the amount of {$180.00} was being reported on to the credit file that they maintain under my social. I have also previously informed Experian that I was a victim of identity theft. Experian fail to investigate this manner as Fair Credit Reporting Act Section 605B describes that they do. These accounts do not belong to me and have not given proper documentation to me validating these accounts nor did they inform me that they were being place anatomy credit file. There are NO CONTRACTS AND nothing bearing my signatures that they can provide so how in the XXXX is Experian validating these accounts. These accounts were open as a result of identity theft and needs to be deleted.
Product: Credit reporting or other personal consumer reports

Since XXXX or XX/XX/XXXX, I have been receiving financial documents addressed to XXXX XXXX, a former tenant, at my current address. These documents come from various financial institutions, including XXXX, XXXX XXXX, Chase, and XXXX XXXX. Despite marking mail as 'Return to Sender ' since beginning of this year, the problem persists. As of the end of XXXX, XXXX, I continue to receive sensitive financial information not intended for me. 

This situation raises concerns about potential identity theft, credit reporting errors, and misuse of my address for financial purposes. I have attempted to contact Chase and XXXX, in late XXXX but have not fully resolved the issue. Even though these specific institutions that I have contacted have stopped sending me things from this person ( except a one other time from Chase Business ), I am still getting mail from other financial institutions with XXXX XXXX 's name and my address. 

I am seeking assistance to stop receiving these misdirected financial documents and ensure my address is not being used fraudulently.
Product: Debt collection

I mailed a validation letter for the debt dispute. The debt collector failed to provide any accurate information. In addition, the reported balance is inaccurate.
Product: Vehicle loan or lease

I have a car loan with Bank of America. My interest rate is XXXX %. My latest payment of {$500.00} had the interest taken out at {$350.00} and the principal applied as {$140.00}. Bank of America is charging me about XXXX to XXXX  % interest. Bank of America told me they would email me the loan payments on my account to my email on XX/XX/year>. I still have not received the statement information and the interest is getting even worse.