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

My intention is to file dual complaints with Equifax and Attorney General of Texas Child Support Division and if necessary, seek damages for the management of this account. Last month I addressed the issue with the Attorney General and payments quickly cleared late payments. Less than 30 days insufficient payments and late payments are being reported. Ive now had credit cards denied and limits reduced due to this negligent reporting. 
I do not understand the miscommunication but now that I need these credit lines for my XXXX  and are having a direct impact on my lively hood and will no longer be tolerated. 
The Attorney General set precedent for how it reported and I was able to re-establish credit. This allowed me to improve my employment, XXXX, and overall financial wellbeing. Now its recent reporting the last 12-14 months threatens to destroy what I have worked so hard to restore. 
I understand and respect the purpose and need of the Attorney General Child Support Division. I have to believe that the intention of this office is not to damage people who have taken responsibility and are doing everything possible to right their wrongs by making timely payments.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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: Money transfer, virtual currency, or money service

I sent a wire to XXXX on XX/XX/2021 for {$21000.00}. The wire was never accepted by the bank from my account at XXXX XXXX XXXX XXXX. I have reached out to both my bank and JPMChase and the business that received the money Gemini Trust Company LLC. My bank told me that the wire has already been sent and received by Gemini Trust Company LLC. I have the XXXX and XXXX numbers to prove and show the transactions. I have been told that Gemini Trust Company LLC has already switched banks to a new account. But that was after the wire transfer had been completed. So that shouldn't be the issue anymore.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX via USPS mail regarding inaccurate information on my credit report. I requested reinvestigation to determine the accuracy of the disputed information and update the current status within 30 days of receiving my notice. I mentioned that their failure to verify these accounts has impacted my creditworthiness. Along with the letter, I provided details of the inaccurately reported accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX received my dispute on XXXX XXXX XXXX, as evidenced by the stamped return slip. However, the dispute took well over 30 days to resolve. I have copies of both the letter sent and the stamped return slip.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of some accounts on my credit report that do not belong to me today XX/XX/2020 when I was denied from getting a loan. I had no idea that these accounts were on my credit since I did not open them nor did I allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any purchases or payments towards these accounts. I'm not sure who could have stolen my personal information to open these accounts but I have already filed a police report. I do not have any written or verbal contract with any of these companies and I have never given them permission to run or access my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home equity line of credit at XXXX XXXX XXXX XXXX XXXX 

The account has been paid monthly by me for the past seven years timely paid. 

The XX/XX/2022, payment was made by me on XX/XX/2022. It was made by me as a direct online transfer from my XXXX checking account to my XXXX XXXX credit line account. By the express language of the online payment confirmation this payment was Immediate- effective immediately. I have attached a copy of both the Transfer History, Exhibit A, and the Transfer Detail Exhibit B, both for this payment, and both of which are XXXX generated, which show : Transfer History ( Exhibit A ) shows 1 ) Payment into my account credit line XXXX XXXX ) XX/XX/2022 Payment amount {$350.00} ( only {$330.00} was due ) 3 ) Payment Date XX/XX/2022 And Transfer Detail which has 1 ) The bank confirmation number for the transaction XXXX XXXX ) The transfer being from my XXXX Simple Checking XXXX to my credit line XXXX XXXX ) The Amount {$350.00} 4 ) the Type of Transfer-immediate and 5 ) the Transfer Date of the immediate transfer- XX/XX/2022 As the payment was due on XX/XX/2022, and as it was made, effective immediately, on XX/XX/2022, it was paid on the 29th day and thus was not more than 30 days past due. This should not have been reported to the credit bureaus by XXXX XXXX and when the credit bureaus received my dispute and reviewed it, all three of them should have removed this reporting error immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX XXXX XXXX XXXX Account Number : 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 U.S.C 1681. XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ). 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXXOne Main Financial acct # XXXX. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A. 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 reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I had filed a complaint against Wells Fargo Bank this is the complaint number XXXX. 
In addition, to me waiting on Wells Fargo to send the documents requested by the beneficiary bank which Wells Fargo prepared these documents, had me to go into a branch and sign the documents and I was told by a Wells Fargo Employee that they were not sending the documents and that I would have to file a police report. And that the beneficiary bank did not need these documents to send me my money back. 

Wells Fargo submitted a letter in response to the above complaint which was clearly false. On XX/XX/2021 they never submitted the documents for the Fraud and Claims Operations Analyst to sign them ( his name is XXXX XXXX ) . And the documents were never submitted to the beneficiary Bank ( XXXX ). I am told by XXXX XXXX and XXXX XXXX that these documents are all they need to reimburse me my money. 

Wells Fargo is deliberately not sending the documents and falsifying documents stating that they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the company listed has violated my federally protected consumer rights to privacy. 

SYNCHRONY FINANCIAL, XX/XX/2022.
Product: Credit card

The credit reporting agenciesEquifax, XXXX and XXXX continue to report my Capital One XXXX  credit card ending in XXXX as a charge off. However, I was a victim of a burglary in which the thief fraudulently used my card and identity to cause the charges on my credit card, as a result, I am not responsible for the charges. I have attached a copy of the police report in which the criminal was ordered to pay me a restitution of {$49000.00} and sentenced to 3 years in Prison for the crimes of burglary, credit card fraud, and Identity Thefts. Please remove this charge off account from my credit report agencies as it is a result of fraud.
Product: Credit reporting or other personal consumer reports

Incorrect and inaccurate information on my consumer report which has caused credit refusals and placed me demeaning situations.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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: Vehicle loan or lease

COASTAL CREDIT LLC is reporting a fraudulent auto loan on my credit report. I have reported the fraudulent account to the police department. I have submitted the police report, id theft affidavit, and letters stating I am a victim theft to COASTAL CREDIT , LLC and the credit bureau on 3 separate occasions and the letters are dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have not deleted from my credit report nor have they responded to my certified letters.
Product: Credit reporting or other personal consumer reports

I have tried numerous times to have this old and inaccurate account removed from my credit report. I was going through a divorce and, per my divorce decree, my ex was responsible for this car payment. Acct # XXXX. XXXX XX/XX/XXXX, and since closed. In XXXX they have reported me 30 days late 3 times. This was reported by Tranunion breach and my privacy was ruined. I respectfully request it be removed from my personel credit. It is also old. Thank you
Product: Credit card

The CITI BANK provides the Citi Merchant Offer. On this offer at XXXX, it shows spend XXXX and get XXXX dollars back. I did that on 2 of my credit cards on XX/XX/year>, which was before the expiation date XX/XX/XXXX, but I did not get the credits correctly. 

I called the customer service in XXXX, but the agent said he could not see the offer and denied my request. I have no other options but to complain here.
Product: Mortgage

In XX/XX/2016 we approached Wells Fargo with a short sale offer on our XXXX family at XXXX in XXXX, MA. Loan number XXXX. Wells Fargo has consistently post poned, closed and avoided making a determination on this offer. They notified us last week that they will be holding a foreclosure auction on XX/XX/<YYYY> This would potentially created an increased tax burdon on us - since we have no control of their sale price and will receive a XXXX for the difference between amount owed and proceeds of the sale. This is an additional hardship they are causing above and beyond the hardships ( loss of jobs, damage to property, family deaths ) that caused us to pursue the short sale.
Product: Credit reporting or other personal consumer reports

I noticed an incorrect account on my report that i do not recognize. It has hurt me financially. I dont know where it came from and why its on my report. My information has been compromised due to the XXXX breach. delete account from my credit report immediately.
Product: Consumer Loan

My complaint is about a dental practice that pushed particular credit source funding for services with inflated service and credit costs and several improprieties that occurred in that process, and it is about the credit companies themselves and their predatory nature in offering credit to someone with a terrible credit rating. As a consumer, I was lied to, pressured, and inadvertently trapped into a horrible debt situation that I had stated repeatedly that I could not take on and did not want to take on. I gave in to pressure that should never have been applied and made bad decisions based on dishonest information given to me.
Product: Credit card or prepaid card

I brought XXXX XXXX XXXX  Prepaid Visa Gift Card for my sister on her birthday in the amount of {$250.00} on XX/XX/2022 at XXXX EST. I attempted 3 times to make an online purchase with XXXXXXXX  for XXXX $ and the card declined all 3 times. So we decided to call customer support number on the back of the card only to find out the reason the card declined was because the card was compromised! The representative immediately admitted that the card was compromised and stated in order for me to dispute the transaction is to wait 7 business days for the transaction to post. I was so angry and confused at the same time! How XXXX did y'all let this happened??? Why do I have to wait 7 business days to dispute a transaction that was not made by me?? The card was hacked and used in XXXX XXXX New York while still in my possession in XXXX I spoke with about 11 representatives from XXXX XXXXIncomm and every single last one of them were useless! Oh & was hung up on by 3 of them named XXXX, XXXX and XXXX! Too be honest with you I'm starting to feel it's the people from the company hacking the cards. But I also spoken with someone named XXXX whom was very helpful and he did inform me once the transaction post to the card they will investigate, dispute then I will have to fill out a dispute form then send it back to them. He also mentioned a replacement card will be send out which I declined immediately. WHY WOULD I WANT A REPLACEMENT CARD, only to get hacked again? I do not want a replacement card send me a check instead & I do not understand why I have to wait at all for the transaction to post either, this burden is on y'all not me! So send me my check now! You would think XXXX XXXX the CEO, Founder and President of Incomm make more then enough to hire a tight security to protect the customers and users account information! Moiving forward I will never buy another gift card and I will be complaining to the XXXX  & my Attorney of General for Pennsylvania & Georgia! I will be contacting the bank affiliate XXXX XXXX as well along with XXXX, XXXX XXXX XXXX XXXX and the other 14 companies the cards can be brought at to warn them as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) was included in the bankruptcy. 

I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's member. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. 

Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to Experian ( $ XXXX/mo ), XXXX ( $ XXXX/mo ) and XXXX  ( $ XXXX/mo ) in order to investigate and dispute the matter. 

I found that XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. 

However, to date ( XX/XX/XXXX ), my credit score still has not  recovered. XXXX at the time XXXX/XXXX reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. Experian at the time XXXX/XXXX  reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX/XXXX  reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that XXXX/XXXX reported to XXXX was XX/XX/XXXX. XXXX/XXXX is still reporting and ruining my life. The current Experian report does not reveal the last date reported. XXXX 's website is having technical difficulties so I was unable to retrieve a current report. 

My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. 

I dont know where to begin to attempt to figure out how high my credit score would be if XXXX/XXXX  had not committed this error. All I know is the XXXX/XXXX has caused me and my credit status grave damages and this must be rectified immediately if not sooner.
Product: Student loan

I 'm having a problem with Navient private loan XXXX. I 've submitted XXXX XXXX application to have this loan discharge because I do n't have any income. To no avail they continue to decline my request. I had no problems getting my Federal loans XXXX but XXXXNavient private suggests that I become delinquent rather work out a plan. I 've recently ask if they could defer my payment for a year are so until I have XXXX income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to you for TransUnion they made a huge mistake They received my dispute letters via Certified Mail I checked with tracking by USPS I will include that in my attachments. 
TransUnion received my dispute letters on XX/XX/2019 It's been XX/XX/2019 and still no reply from TransUnion so I sent a non response letter on or around XX/XX/2019. 
I finally received my credit report I recently disputed from TransUnion on exactly XX/XX/2019 As I opened the envelope too look at my credit report it dated On the report papers it was made on XX/XX/2019 So I looked through the dispute letters carefully. 
As I looked at the envelope it dated as a postage stamp on XX/XX/2019. 
So they are trying to be slick and play games with me They fixed everything in hopes I don't catch the date postage mark. That dates XX/XX/2019. 
Everything will be with proof included in the attachments from the date TransUnion received my dispute letter to the date I got my updated credit report back to the date stamped on the postage stamp by TransUnion. 
By law if it is past 30 days I do not get a response within that timeframe everything I disputed needs to come off my credit report. 
I'm just very upset with TransUnion playing games with me. You will see my attachments Sincerley, XXXX
Product: Debt collection

Mailed in payment to settle debt in full but  Portfolio Recovery Associates, LLC continues to report a balance on my credit report. The company had previously sent me an offer letter t o settle the debt to pay {$590.00} and that is the amount I wrote the check for. I specifically wrote on the check that the amount settles the account in FULL. The check was cashed o n   XXXX   XXXX    2017. T h e company has updated my credit report showing that I owe {$190.00}.
Product: Money transfer, virtual currency, or money service

I am writing to express my frustration with Cash Apps lack of accessible customer support, which has caused me financial loss and privacy concerns on multiple occasions. For the past two years, I have repeatedly faced issues with transactions and disputes, only to find that Cash App does not offer a 1-800 number for immediate assistance. Additionally, their in-app chat support is rarely available when I need it most, leaving me without any reliable way to resolve urgent problems. 

Because of this ongoing issue, I have lost money and experienced breaches of privacy, with no effective way to get timely help. It is unacceptable for a financial service to operate without a proper customer support system, and the continued lack of accountability has only added to my frustration. I believe users deserve direct and reliable support, especially when dealing with financial transactions and sensitive information. 

The most recent date of this was XXXX XXXX
Product: Debt collection

This company is attempting to collect on a debt that is more than 10 years old and was also previously disputed directly with XXXX XXXX XXXX and XXXX 's dismissed the debt due to identity theft. The following is the complaint that was sent to XXXX 's : On XX/XX/2005, my SUV was broken into as I dined at a restaurant in XXXX, Texas. Numerous items were stolen, including my briefcase that contained my personal information on documents, which included my driver 's license number, birthdate and social security number. Since this event occurred, my personal identity was stolen and numerous successful attempts of credit were extended to one or more individuals. I have sent letters that include a copy of the police report, which I filed with the XXXX Police Department to the creditors who are now falsely reporting incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions is reporting a hard inquiry that I did not do.
Product: Credit card

On XX/XX/2023 I opened a XXXX credit card to use for my car expenses, XXXX  had a promotion with synchrony bank offering a {$100.00} visa gift card when opening a card to use for repairs. 
I made XXXX attempts to pay the card off in the following weeks but was told by phone it was too early to make a payment. When the billing statement arrived in the mail I made another attempt to pay off the card from my checking account... but I kept receiving notifications that the payment was rejected. I called my bank and they explained I was using the wrong routing number. I immediately corrected the problem and made a payment in full several weeks before the due date. I was notified by synchrony bank that my account had been closed due to DISHONORED payments. I called to explain the situation and was told they sent this info to my credit report and I no longer qualify for the promotion of {$100.00} gift card. 
They said there's nothing else they can do even though I made the full payment weeks before the due date. Now I have a mark on my credit report and no gift card for a simple mistake of entering the wrong numbers into the phone. This is unfair and I have excellent credit... ..this was an excuse by synchrony bank to hurt my credit and keep their gift card!
Product: Debt collection

I.C.System Inc has been harassing me with mail and calls trying to collect false debt that I do not owe.