23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request the removal of inaccurate late payments and correction of non-reporting issues on my credit account ( # XXXX ) with XXXX, as reflected on my credit reports from XXXX, Experian, and XXXX. Late payments are inaccurately reported for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite these payments being made on time, as evidenced by my attached payment records. Additionally, several months of payment history are missing across all three bureaus ( e.g., XXXX and XX/XX/XXXX, among others ), which violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 605 ( a ), as it results in incomplete and misleading information. There are also inconsistencies in the reported " Date Last Active '' and account classifications between bureaus, raising concerns of potential re-aging ( 623 ( a ) ( 5 ) ) and overall inaccuracy ( 611 ( a ) ). These inaccuracies and omissions have harmed my creditworthiness and caused undue stress. I request the removal of all late payment entries, correction of non-reported months, and an investigation into these discrepancies to ensure compliance with FCRA standards. Attached are supporting documents, including bank statements and screenshots of the inconsistencies. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Im completely floored by the fact that, out of nowhere, Ive discovered incorrect accounts on my credit report this evening. I regularly check my report, and this has never happened before. I tried refreshing my browser, hoping it was just a technical error, but the wrong information remained. Please, check the documents I submitted carefully, as I want to put this behind me and never have to face it again.
Product: Credit reporting or other personal consumer reports

on or about XX/XX/year>, while trying to access my equifax account, I made several attempts in error and was locked-out by their system. I tried to enter account thru phone verification, but this failed because their AI system asked me questions from my credit report! I could NOT answered correctly because I can not get a credit report! It is a catch XXXX situation! after finally being able to talk to an agent, I was asked to photo back and front of my drivers license. this failed. I was advised to send hard copies of my drivers license ( front and back ), copy of SS card and a statement of why I was sending docs..for verification of identity. I sent docs on around XXXX or XX/XX/year>. 
on XX/XX/year> tried to access account again. this failed because of the afore mentioned " catch XXXX ''. finally reaching an agent on phone, he stated that they had not received verification docs! SO, I am STILL caught in the " catch XXXX '' loop. 
my complaint..WHY does this company need to be SO inordinately stringent when trying to access a customer account? YES, they should be, but to set-up a " catch XXXX '' system that is so impenetrable. XXXX and XXXX uses a simple XXXX step verification. in-out done. because of equifax XXXX XXXX losing a chance to purchase a home
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to someone using my information open a account with company by the name of SUNTRUST. All while learning of this information it was then sold or transferred to a company by the name Truist Bank. This was once again done without my consent or authorization. Accounts were opened and my identity was use to open, sale, or transfer with the account in question. If have been going back and fourth for years now getting it removed from my consumer report with speaking with an individual/ representative from Truist . So now the same account that originated from identity theft is currently reporting on my consumer report once again. Ive contacted Truist multiple times on this issue. Ive put in notices to opt out and all so the deletion of any of my personal information and all personal identifiers. I would like to simply just like this account and all my personal information be deleted from there system. This situation has put me in a uncomfortable position. I would like to come to a fast resolution and try to avoid anything strenuous for any parties involved.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made contact with tranunion on XX/XX/22 and again on XX/XX/22 after submitting numerous disputes on their site. 
Ive provided them with documentation proving that the account reporting on my credit report is forged/ fraud. Ive provided them with an identity theft report as well. 
Ive requested all steps and procedures on how they verified the information that they are reporting. 
Transunion told me that they dont verify anything. They send the details to the company that is reporting and if they confirm my social, date of birth, and address, they allow them to continue reporting and the information I send in is not sufficient. 
Transunion informed me that because of my previous dispute, they were able to make a fast decision based off of the previous result. I was never given a proper investigation and they arent accurately furnishing my credit report.
Product: Credit card

I had a XXXX card for years. Recently Citibank took it over from XXXX XXXX. Now it had the request an increase option on the website ( XXXX XXXX never had that option ). I have requested increases before and it has NEVER been a hard inquiry. With this one, it was. I tried filing a XXXX  complaint and CITI is stating they had a button on their page where it says its going to run a hard inquiry, I did not see that on their, their website barely works as is, and now I have a hard inquiry on my report for a card I ALREADY had and they are refusing to remove it, as if it is something that will personally affect them. Its pure rudeness and or laziness, as well as bad communication on their website. If I knew it was going to give me a hard inquiry for a card I already had, which again a credit increase has never given me a hard inquiry before on ANY other card, I would not have requested it. Their practices, website, and customer service, all need to be investigated. The attachments are I just tried to do it again to show that it doesnt show it, and it just had an arrow over to request the increase and then showed that message. My next step will be to contact a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Reviewing My Credit Report, I have found a reinsertion of previously deleted material.
Product: Debt collection

worldwide assets has been garnishing my wages since   XXXX  -17, i do not know what im paying for .called the number my company gave to me. it is unlisted. my company said it was for  XXXX  have paid  XXXX  the case number is  XXXX . could you please help me find out what this is for or im beening scamed into paying., have not went to court or notify by mailed by company. please help
Product: Credit reporting

I am filing this complaint because EXPERIAN has ignored my request to provid me with the documents that their company has on file that used to verify the accounts I disputed.Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... .promptly delete all information which can not be verified. '' that I have disputed.Please resolve this matter as soon as possible. Thank you
Product: Credit card or prepaid card

i opened a fraud investigation with my chase credit card services against a company i made a charge to that was later cancled and never refunded for.chase credit card services was hesitant to open the investigation and a month later after presenting evidence of fraud against the company has not resolved my complaint and has refused to release any information regarding my complaint.the bank is harboring fraudulent companies and should be shut down.please investigate this company and protect the people
Product: Checking or savings account

Wells Fargo Bank froze my account due to inactivity even though I have a monthly deposit into the account. I found out about this from a letter received from them with ways to re-activate the account. The 1st one on the list after 3 phone calls and being disconnected once and hung up on a 2nd time was told was unavailable in NY for some unknown reason? The second option was to move money out of my inactive account to my savings account which for some reason has different rules. I did not understand how I can move money into or out of a account that was inactive, but low and behold I was able to. At this point being totally unnerved dealing with people that have no clue on how to provide service I decided I want to move my money out of my accounts to another bank but once again Wells Fargo proves that a simple transaction can be impossible to complete with them. They will allow me to move money into my Wells Fargo accounts bur not out and was told well basically everything looks okay but we don't know why. Then when asked rep who to file a complaint with she would not provide info. Wells Fargo should be shutdown they are a embarrassement to the banking industry.
Product: Credit card or prepaid card

citi has decreased my credit limit from about {$15000.00} to {$500.00} only because I have paid the us postal service adress change {$100.00} with the citi card and their non sense programs have blocked the card for further use, during the holiday season, from about XX/XX/2020 up to today the card was not usable because they have placed a block on the card simply because I used the card to pay {$100.00} they have decreased the credit limit but their complaints are increasing There are many online complaints for the same citi non sense : cards are bocked when used and credit limits are decreased when card are used citi cards can be requested, but no one have to use the cards, otherwise they will block them there are many stories about their fraud non sense department and their psychological problems
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request your assistance in investigating fraudulent charges made to my Barclays/JetBlue credit cards . The charges appear to have been made after my wallet, which contained both cards, was lost in 2020. I did not authorize these transactions, and I believe they are fraudulent. 

Upon reviewing my recent statements, I discovered charges from purchases made in XXXX XXXX, XXXX XXXX, and other locations I did not visit. I was not in XXXX XXXX at the time these charges were made, and I have not traveled there recently. Additionally, I have never authorized anyone to use my cards for these purchases. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), I am entitled to dispute these charges and have them removed from my credit report, as they were made without my consent. I am requesting that these fraudulent charges be thoroughly investigated and removed from my credit history, as they are not reflective of any transactions I made.

I have already reached out to Barclays and JetBlue, but no resolution has been reached. Therefore, I am seeking your assistance to ensure that these fraudulent activities are properly addressed, and that my credit report is corrected to reflect only accurate information. 

I have attached relevant documentation, including a copy of my credit card statements showing the disputed charges, as well as a report of the lost wallet incident from XXXX. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue and correcting my credit report. 

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

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report EQUIFAX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with XXXX, INQUIRY DATES : XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile.
Product: Money transfer, virtual currency, or money service

I got paid XX/XX/XXXX but they froze my account then I reached out then they closed my account and they've been holding my funds ever since I sent identity verification photos they got a pic of my id and a pic of me holding it. I've been hearing stories of them closing accounts and taking people money I got exactly XXXX but I'm an XXXX I got medication to buy and bills to pay I've already told them but they trying to make me wait 180 days for a response I don't have 180 days without my medicine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The car lot I originally purchased my vehicle from ( XXXX XXXX XXXX ) is permanently closed. I purchase a vehicle and upon leaving the lot my driver side front tire fell off from the entire frame. The car was improperly inspected before selling. I ended up spending {$4000.00} a year later to replace the frame again after waiting 2 weeks to even drive the vehicle. The sales person was fired immediately. The licenses were all expired displayed inside of XXXX XXXX XXXX. I was then scammed into a bank called Start Auto Finance. The bank is very unprofessional and has been charging me miscellaneous fees since Ive gotten my car 4 years ago. I was originally told to put down {$4000.00} for the car. They called me back 30 days later stating that I needed to bring {$2000.00} more dollars or return then car and they will deduct from my original {$4000.00} deposit for the days I drove around. I didnt want to let my car go so I paid the {$2000.00} not knowing that XXXX XXXX had received my application and also approved me for a lower down payment. Since then Start Auto Finance has been breaking all kinds of laws with contacting and threatening me. This company needs to be investigated. They have made calls to my references with intentions to embarrass me because I pay my car payment late. They contact my references before reaching out to me. I made a down payment of too much money and also paid a lot and still owe the exact same balance as when I signed my first loan documents. They have illegally repossessed my vehicle in the past and also charged me personal fees for retrieving my vehicle because the tow man required me to pay him for getting up on a Sunday. Please investigate them as Im an now going with a lawyer to remove this company from my past. I have been stuck in this car trying to pay it off for years they adjust my loan too many times and call from number outs spam numbers telling me to remove my personal belongs when my car isnt up for repossession.
Product: Checking or savings account

issue took place at the Wells Fargo branch in XXXX NJ ( XXXX ). Was depositing {$140.00} cash to cover a transaction ( paying a bill ). The ATM counted my money as {$120.00} in cash and then incorrectly counted a {$20.00} bill as check. I asked for my items back to try again ( {$140.00} all in XXXX ) and the ATM only gave me back {$120.00}. Customer service could not provide a temporary credit for the loss, states {$20.00} will require a full investigation. This has delayed my payment as is now costing me additional fees.
Product: Debt collection

In the last six months, I have had to block 76 numbers from incoming calls from this company. 76 NUMBERS!!! All with different area codes and different prefixes. I have twice told them to stop calling my number and even sent a message via fax and email demanding the calls stop but they haven't.
Product: Debt collection

Title Max has repeatedly called even after being sent a cease and desist order. They call several times a day, everyday. They were told XXXX times to stop all calls. They defied the demand to stop calling.
Product: Credit card or prepaid card

I applied for Amex Gold card in XX/XX/2018 and was promised to have bonus of XXXX points. I was not told that I was not eligible for receiving the bonus before and after I submitted the application until I checked with customer representative 4 months after. Typically, American Express shows a pop-up to indicate when you arent eligible for a signup bonus. Strangely, even when no pop-up appeared, I still have been arbitrarily denying the bonus by Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity stolen in 2014. All false credit claims were supposed to be resolved. Police reports were filed and managed. Experian has maintained a 7 year old record of XXXX XXXX XXXX charge made using stolen information and not even my correct last name. I filed a dispute today on experian website due to interest rate change on XXXX card which they sited Experians fake credit scoring policy. The site asked me for money to correct this, protection fees, and would not help me afterward. I don't pay extortionists, be them mafia or over powered credit agencies. The website offered no more assistance, except referral to call the help line. I called and waited over 30 minutes for any response and got none. Also got no expected wait time and heard someone, on my line pressing buttons, via the beeps. It is not okay for credit companies to sell " Protection '' for accurate reporting.
Product: Credit card

I received two Chime cards, debit and credit, in the same day ( XX/XX/year> ) to my home address. I have never made any hard inquires to Chime regarding opening cards with them. I looked at XXXX, XXXX, and XXXX for any unusual activity ( hard inquires, open accounts ) and noticed no change that I was unfamiliar with.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts Due to Data Breach I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts being added to my credit report. As such, I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as they were opened without my consent. 
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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I purchased a MoneyGram money order from my credit union XXXX XXXX XXXXXXXX XXXX XXXX union. Its for {$670.00} money order reference number # XXXX. I filled it out in permanent ink making it payable to my landlord XXXX XXXX. My name XXXX XXXX as signature and my address as well. I mailed it using the mailbox in my neighborhood on the corner of XXXX XXXX and XXXX XXXX. 
On XX/XX/2021 that money order was cashed but my landlord still states he hadnt received it. I went to my credit union and was told they use third party money orders and I have to take it up with MoneyGram. I called MoneyGram and was told that I would have to pay {$18.00} to request a copy of the money order. I did that and waited almost 3 weeks to receive it in the mail. When I got the copy it is clear that this money order was altered as the criminal only wrote over my words on there. 
So now I have the copy and I called MoneyGram back and was told that I need to request a description of where the money order was cashed. This service was free but necessary in order to start the process for refund. I waited a week for that email. On XX/XX/2021 I got the email from MoneyGram that told me XXXX XXXX bank cleared the money order on XX/XX/2021 and gave sequence # XXXX. MoneyGram says the money order cashed on XX/XX/2021. 
I then called XXXX XXXX and was met with representatives that told me they will have nothing to do with this. They wont trace the sequence number. They wont help me at all. 
I called MoneyGram back and now with the copy of the money and the email with the source that cashed the money order, I can now move forward with the actual refund process. I am currently waiting on an email and a hard copy of an affidavit to fill out and return to MoneyGram. They state the process could take 3-6 months possibly a year for a refund and even then its not guaranteed. I just dont know what to do. My landlord needs that rent and I need my home. 
The criminal was able to get my money right away without a hitch. Im the victim and I have to jump hurdles just for someone to help or even hear me out. 
XXXX XXXX was the front line of defense to protect me against this criminal act and they failed. I do not have an account with XXXX XXXX so I was told I cant file a complaint with the Office of Comptroller of Currency. 
I was referred by the OCC to Consumer Financial Protection Bureau to file the complaint because its a MoneyGram money order. 
Please someone help me. 

Sincerely, XXXX XXXX