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

On XX/XX/2021, I requested from XXXX XXXX for a credit line increase from XXXX of my credit cards, and it was denied. XXXX of the reasons given were incorrect, and the credit score was from XX/XX/2021. 

On XX/XX/2021, I called the XXXX number on the back of my CC and went into the branch on XXXX XXXX, XXXX, VA. Both said I was XXXX  so what is my problem? And there is no one I can talk to. 

I explained that it's not about being XXXX  but the bank used the score from XX/XX/2021, instead of XX/XX/2021. I want to make sure that if I were to apply for credit in the future, the bank or any bank would have the correct data. 

In addition, I mentioned that I paid off a lot of my CC and monitored my credit monthly, and I'm confident this way of doing business is incorrect. 

Both on the phone and at the branch, the operator told me to call Equifax claimed that they provided XXXX XXXX with incorrect information. My response is untrue, as I monitor my credit monthly, and both XXXX and Equifax have the correct information. 

My last attempt was to call Equifax and asked for help as I'm not getting any results from XXXX XXXX. Equifax told me to reach out to you, as it's why I'm writing.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015 I received a letter from Wells Fargo dealer stating my auto account XXXX has been paid never late satisfactory. Since that time and the present Wells Fargo Dealer has changed my status from charge off then recently to paid charge off. This is an error and I believe violates my rights under the FCRA. Please has this status change to paid as agreed attach will be the supporting documents from Wells Fargo dealer and my credit report.
Product: Debt collection

I pulled my credit reports from all 3 bureaus in XX/XX/. I noticed on one of my reports that there is a collection from Transworld Systems. I do not know what this debt is for or pertaining to and do not believe it is mine. I sent them a debt validation letter requesting documentation proving that this debt is mine on XX/XX/ via certified mail. I have not received any communication from them. I have disputed it with the credit bureau but it is still actively being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company on XX/XX/XXXX after seeing them report deroggatory on my credit report to see who they were and why were they reporting {$25.00}. the representative told me that the company had contacted me. When I questioned him as to when and who did I talk to his resonsed ; that we called you but company policy prevents us from leaving a message. If you call a person and do not let them know you are calling that is not a contact. Since that conversation Trans world Sys Inc /XXXX - ( XXXX ) XXXX has once again reported to the credit bureaus numerous in the Month of XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I am not clear as to what this company is doing and hope that consumers can be protected from them. Additionally, I did not receive any correspondence from this alleged debtor. 

Can anyone just drive your FICO down on a wim? Is there any request through anyone
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act Convergent Account : XXXX - XXXX & XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX 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 furbish an account without my written instructions.
Product: Debt collection

the collection company As Nation Wide Recovery calls me on the phone with a new number after blocks. 
I am very tired of their tactics. they change the block number. 
I have insurance XXXX XXXX XXXX XXXX and the bills are covered through my decease husbands benefits as a his wife. 
I am a senior I don't have large money for what my insurance leaves over. 
the Collection agency has the same multiple bill on my credit report repeating the same amount as to destroy my credit. 
my complaint is harassments using my credit report repeating one bill 4 times or more on my credit report. 
They have 2 bills making it look like 8 bills owed.
Product: Debt collection

I had a gym membership with XXXX XXXX handling the financial deductions from my account. I canceled the membership according to their requirements and had an email from them stating I had met requirements, and it stated the last day that money would be taken from my account. They continued to deduct for two months after that. I had my bank stop payments and it was reversed. The company again took XXXX dollars from my account the next month. I had sent numerous emails to this company and talked to them on different occasions. I then had correspondence from the company telling me I did not meet the requirements to cancel. I sent approximately 30 emails with proof of my requirements to cancel in addition to what I previously had sent them. They sent a different email that changes their requirements to cancel. It had changed from the previous one. I sent them a copy of the original and circled it for them!! I also filled complaint with XXXX And talked directly to the gym. I finally got an e-mail from XXXX that it was resolved and nothing further was needed. Then after my bank had reimbursed XXXX dollars, it was reversed and disputed by XXXX and they got that money back!! So they still owe me {$120.00} dollars. This practice from this company has continued for too long. XXXX knew exactly which company it was before I told them.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within 15 days. Attached are the relevant documents for your reference.
Product: Debt collection

I had an auto loan financed with Flagship Credit on XX/XX/XXXX. I started to struggle with the payments in XXXX which resulted in my default. Flagship during XXXXwhere their collection associates called numerous times a day every day of the week. If I did not answer the call they would call over and over again and leave no message. They called my employment phone after I advised that I could not receive calls at work. Then they began to call me on my mobile telephone during my work hours, again I requested that they not call during those hours to no avail. I did not provide permission for them to call my cellular telephone. They continued to call my cell phone numerous times a day and call me back the same day after talking to me already. The associates then began to curse and threaten to report me to the police and have me cited as well as call and tell my employer of my debt. I advised caller to cease and desist and that they were in violation of the fair debt collection act to which they laughed and called me more derogatory names. 
I provided a written request to cease and desist. I still received a few calls. I finally got a XXXX and we discussed the fair debt violations along with calling my cell phone after I advised to not call same and an agreement was made that the violations and the remaining debt was a wash. I agreed to surrender the vehicle. It took until I called again months later advising that I was going to cancel insurance on vehicle and they needed to pick up the vehicle. Finally they picked up the car, in XX/XX/XXXX. Based on the agreement discussed, I assumed the matter was complete. 

I received a class action card for Flagship based on their violations of the fair debt collection act. This information certainly backs my interaction. 
In XXXX of XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX bought a group of collection accounts from Flagship. The next thing I know this new company files a legal action against me for over {$10000.00} in XX/XX/XXXX. A span of nearly 4 years from the time of repossession to legal action. 

I have advised new company of the issues and that my debt was not with them. However, now they have attempted to have a judgment entered against me with the court. 

I dont understand how a company like Flagship that clearly violated Fair Debt Collection Act can later sell its collection accounts for money to another company to put those people through the mud once again.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my TransUnion Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX
Product: Payday loan, title loan, or personal loan

Origination fees were omitted from verbal discussion and I was charged {$12000.00} in just fees to finance a solar unit that was {$15000.00} for just the unit. In what world is it acceptable to charge points and fees in excess of 70 % of the financed property. 

I would also like to add that my credit is in excellent shape, making the fees more ludicrous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not up to date accurate information on my credit report still
Product: Credit card or prepaid card

Despite submitting factual materials, Citi suppressed this evidence and allowed the merchant to get the money I was fraudulently charged thereby letting the merchant get away with a scam perpetrated on me.
Product: Credit reporting

Since XX/XX/2015 I have been in dispute of fraudulent accounts that have been opened in my name. I contacted all three credit bureaus and notified them of my situation. They requested for me to file a police report and send them my identity theft report, both of which I have done. XXXX and XXXX have since removed the accounts from my credit report but Equifax has refused to remove them. I have called Equifax about XXXX times in the last three months and have spoken to many different departments in hopes of getting these fraudulent accounts removed. I have been trying to join the U.S mil-tary since XX/XX/XXXX and have not been eligible due to my credit report have theses fraudulent accounts. I have explained the urgency of my situation to Equifax but they give me the run arounds and keep asking me to send them the save documents I have already sent over 6 times both by certified mailing, fax, and on their website. I have filed a smalls claims against Equifax with a court hearing scheduled on XX/XX/2015 because they are causing me damages and defamation due to their refusal to remove the fraudulent accounts. 

I ask your agency to please assist in contacting Equifax about how they have been handling my investigation and having them due their due diligence properly. At this point, I am missing out on loss income due to not being able to enlist in the military. Please help me as I only want to have these accounts removed from my file. I will be attaching the last documents I have sent to Equifax legal in regards to my situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> - {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$9200.00} Requested signed purchase arrangements of correct balance amounts. All returned as correct without arrangements.
Product: Mortgage

I financed a loan with Wellsfargo and was talked into refinancing my loan. Over the years I realized that I was almost finished paying off my mortgage, however I had to start another 30-year mortgage over. I lost lots of money by starting a 30 year mortgage loan over, by refinancing my existing mortgage loan.This deceitful tactic has made me feel like I was cheated out of my money.
Product: Student loan

I have XXXX private loans with Navient. Unknown to me they went to 120 days past due after I received a notice. In the notice they offered both settlement and installment payment plans to pay off/down the loans. I contacted Navient and indicated I wanted an installment plan as indicated by the letter and they kept pushing to settle or to pay a substantial amount to " release the co-signer ''. I kept asking about the installment indicated on the letter and they said that is only offered after a large " good faith '' payment is made. I am in no position to pay large amounts or lump sums. They keep denying me any attempt to pay in installments. After the initial call, they started calling my co-signer and the " references '' I listed on the initial application. They call daily, sometimes hourly. I wrote to both of my " account managers '' to cease and desist in calling and to only correspond in email or writing. They continue to call daily including the co-signer and references which I asked them not to contact. They indicate they will not stop calling and will " call you tomorrow '' in a harassing tone. The account managers are a XXXX XXXX and XXXX XXXX @ XXXX.
Product: Checking or savings account

On XX/XX/ 2023 I opened a chime bank account. I deposited {$1500.00} on that same day. On XXXX XXXX I received an email from Chime stating that they were closing my account. They did not give a reason or refund me my money that I deposited in the account. Over the course of the last year I have 14 documented times where I have called as well as emailed with Chime and was still never able to rectify the situation. In XXXX I gave up. I didnt know what else to do. Somebody gave me your link, and I finally am feeling hopeful again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This morning, XX/XX/2019 I spoke with M & T Bank 's Customer Service Department regarding the status of my case # XXXX. This case/claim was filed on XX/XX/2019 for fraudulent use of my checking account with M & T for eight ( 8 ) XXXX transfers totaling {$4800.00}. I was told this morning by that the claim against my case was denied. 

To resolve this problem, I am requesting that M & T Bank Fraud division IMMEDIATELY RE-OPEN my case. 

I obtained a letter from my employers designated IT Company, XXXX XXXX XXXX  to confirm virus, malware, phishing attacks on my computer. This letter explains the virus that were present on my computer on the date that the transfers were made from my account WITHOUT my knowledge or consent. 

I need my bank to re-investigate this case and return my fraudulently taken funds of {$4800.00}.
Product: Checking or savings account

I opened linked savings ( account XXXX ) and checking ( XXXX ) accounts with Citi on XX/XX/2018 in response to an advertised welcome offer online that promised a {$400.00} bonus paid after transferring {$15000.00} in funds to new Citi accounts within 30 days of opening and maintaining that balance for at least 60 days. I transferred these funds on XX/XX/XXXX, and I confirmed with Citi representatives that the welcome offer was attached to my account and that I would meet the terms of the offer if I maintained this balance until at least XX/XX/XXXX, which I did. On XX/XX/XXXX, well after the time period for Citi to post the funds had expired, I contacted Citi to ask why my bonus was not paid as promised. I was told I was eligible for the offer and had met the bank 's terms, and that my claim would be escalated, with a response resolving the issue within 2 business days by email. I did immediately receive an automated email confirming the escalated claim, but I did not receive the promised email resolving my missing {$400.00}.
Product: Credit reporting or other personal consumer reports

These are inquiries which should not be on my credit report. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

They repossessed my car when the payment was only two days late. When I contacted them I was told they sold it. They never once sent me any notices or gave me the right to cure. Generally, the secured creditor must give the consumer the right to reinstate. ( Cal. Civil Code XXXX ) The finance company must provide notice to the consumer of its intent, ( Notice of Intent ) to dispose ( resell ) the vehicle within 60 days of the repossession and at least 15 days prior to resale ( 20 days if the notice is coming from out of state ). The ( Notice of Intent ) must contain all the disclosures required by Cal. Civil Code XXXX ( XXXX ) ( XXXX ). Among the disclosures required is the consumer 's right to 'redeem ' by paying the balance of the loan. Strict compliance is required with these requirements : if the secured creditor fails to strictly comply, it will be absolutely barred from collecting any deficiency. XXXX ( XXXX XXXX, CA ) wanted $ XXXX to return my personal belongings. Repo men have a duty under Bus. & Prof. Code XXXX to provide notice to the consumers that they have this property prior to disposing of it. Although there is no private right of action under the B & P Code sections, consumers could seek compensation through the Unfair Competition Law, Bus. & Prof. Code XXXX et seq. Disposing of the property could also constitute a violation of the Rosenthal Act. In fact I have received nothing from them at all not even one phone call. Yet the OMV contacted me saying the registration has been suspended cause I did n't pay my car insurance. The car in fact is still registered to me. 
Also all my paperwork for the loan was in the glove box and they have deactivated online access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX 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/XXXX I went to my Bank of America XXXX in person and requested an international wire transfer out of my savings account for {$2500.00}. 

On XX/XX/XXXX the money went out of my account and a {$45.00} wire transfer fee was charged to my account. 

On XX/XX/XXXX I emailed my bank representative to inquire how long the transfer would take, as the recipient ( my sister ) had yet to receive the money. That same day she replied letting me know the transfer appeared completed on her end, and that the money had gone to XXXX XXXX  ( which XXXX assuming is an intermediary, as this is not my sisters bank ). She offered to contact the investigations department to understand my options. She said running an investigation may incur a fee. 

On XX/XX/XXXX I followed up, as I never heard back from my banker with any options. I asked how much the investigation would cost. That same day she advised it would cost {$25.00} and offered to find a number for me to call. 

On XX/XX/XXXX I called the investigations team at Bank of America. I never heard back from my banker, so I researched the number myself. during this call I was told the transfer appeared completed. I was told I could either do a trace to find the funds or request a recall. I said Id rather try to find the funds and complete the transaction. They initiated a trace and told me to check in in XXXX hours. 

On XX/XX/XXXX I called again. They told me the trace had found the funds at XXXX Bank ( same thing my banker had already told me without a trace ) and that they had issued a request for information to understand why the funds had been held there. I asked that the {$45.00} wire transfer fee be refunded, and they agreed. They told me to check in XXXX hours. 

On XX/XX/XXXX I called again. This is nearly XXXX weeks after I initiated the transaction. They told me they were still awaiting a response from the bank theyd contacted. I said I wanted to just get the funds back. They said theyd issue a recall for the funds and asked me to check back in after XXXX hours. 

On XX/XX/XXXX I called again. They told me they were awaiting a response from the recipients bank and that there was no guarantee that they would get my money back. 

Needless to say, the intended recipient has NOT received the money, and Bank of America is claiming it delivered the money, so it accepts no responsibility to find and return these funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus ( Transunion, XXXX and XXXX ) on XX/XX/2022 and they received each letter on XX/XX/2022 to remove incorrect addresses, phone numbers and past employers. I also sent a copy of my social security card, ID and proof of address which was on my ID and an Electric bill showing my address. It's been over 30 days and the incorrect information is still on my credit report. 

according to 15 U.S. code 1681i- procedure in case of disputed accuracy, the bureau failed to complete a proper investigation of my personal information and violated the FCRA XXXX