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

On approximately XX/XX/2022 I paid off my XXXX credit card and had zero utilization. At that time I had a credit score in the range of XXXX on all 3 bureaus. However, as soon as I paid my credit card off, XXXX informed the credit bureaus ( although it was after they had already completed an updated report to the bureaus at the end of my billing cycle on XX/XX/XXXX ). On approximately XX/XX/XXXX, and again on XX/XX/XXXX, my scores on ALL of the bureaus dropped between XXXX XXXX points and the reason given was because I had a zero utilization rate on XXXX of my credit cards. I have a mortgage, car note, credit cards and other mixes of credit that I have been paying timely and often more than is requiredyet the credit bureaus and their scoring algorithms have punished me for paying off a card that was subsequently given an automatic limit increase. So, now my score has been damaged all because I paid my credit card down to zero. I didnt close the accountI just paid it off. The bureaus wouldnt give me any other help or explanation other than to read my credit report thoroughlywhich I do on a weekly basis, so I didnt need them to offer that useless advice. Subsequently, I decided to increase my utilization rate to 3 percent in hopes that the new utilization would increase my scorebut NOit dropped it an additional 2 points, so Im absolutely and totally confused as to how the credit bureaus and scoring algorithms can drop a consumers scores when NOTHING changed on their credit history other than paying off the card. This makes absolutely no sense to me and it is as though the bureaus and their scoring algorithms are intentionally vague and convoluted in order to keep customers in debt. According to everything I have read, my score should not have decreased for paying in a timely manner, especially when there were no other factors involved. It is criminal how the credit bureaus and scoring algorithms are allowed to exploit consumers to keep them in bondage and paying outlandish interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Experian attempting to get unverified information deleted from my credit file. I have detailed in all 4 of these letter how the reporting of this unverified and false information is in violated of the law under the FCRA. Under FCRA Section 611 ( 5 ) ( A ), " In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- 1. ) promptly delete that item from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Experian has failed continuously violated this law, and has failed to delete this unverified information from my credit file. I have requested reinvestigations 4 different times, all of which result in them saying my credit report has been modified, but the unverified accounts have not been deleted. Experian and their negligent practices are detrimental to my success in advancing in my career field. At this point, it is downright criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times and they say they have deleted it. I have the deletion document but it still has remained on my report despite deletion multiple times.
Product: Money transfer, virtual currency, or money service

Dear officer, I am writing to formally lodge a complaint regarding an issue I have encountered with a MoneyGram transfer. On XX/XX/XXXX, {$2600.00} USD was sent to me via MoneyGram from XXXX to XXXX, XXXX. Upon visiting the agent to collect the funds, I was informed that they did not have sufficient funds on hand and that the amount would be sent to my bank account via XXXX I was assured that the money would be in my account within 24 hours.

However, after 24 hours, I called to inquire why the funds were not in my account. The assistant I spoke with was unable to provide an explanation, so I requested to speak with a supervisor. The supervisor informed me that an inquiry would be opened and that I should expect an email with a new reference number to withdraw the money.

Two days later, I called again to follow up with the supervisor, who informed me that they were still investigating the issue and that I should wait 10 days for a resolution. As of today, XX/XX/XXXX, it has been 5 days since the transfer was initiated, and I still have not received the funds. Despite the transfer status indicating that the money has not been withdrawn, MoneyGram has been unable to provide me with the money. 
I am filing this complaint because I have bills to pay, which are accruing interest, and this delay is causing significant financial strain. Furthermore, the person who sent the money on my behalf has also contacted MoneyGram to inquire about the delay and was told that the funds had already been delivered to me. This is incorrect, as I have not received any money.

I am deeply concerned that I may be a victim of fraud by the MoneyGram employees themselves, and I demand an immediate investigation into this matter. 
Please find attached images as evidence. I expect prompt action and a resolution to this issue without further delay. 
Thank you for your urgent attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I have a private loan with Navient and my payments are too high too pay, and ya 'll say I 'm not able to lower my payments, in which it makes it hard to keep the payments current.
Product: Checking or savings account

I tried to open an account with XXXX XXXX they advised me that a company called early warning systems had a bad report on me for checks. I explained to them in XXXX someone tried to use my bank account that I had with XXXX XXXX XXXX all my identity was stolen. I dealt with the same problem with XXXX XXXX  and they verified that it was fraud and that I had nothing to do with this. XXXX XXXX  removed it I also sent them a police report showing them my identity was stolen in XXXX, XXXX, then again XXXX this has been a on going problem I believe its a family member who lived with me. This person has opened accounts, credit cards, applied for apartment 's and charged cards up that i had. she has had my Identification, bank cards and social security card.
Product: Credit card or prepaid card

An account was opened with PayPal/ Synchrony Bank in my name and I was not the one who established the account. I filed a report on the phone and received in the XXXX mail a letter dated XX/XX/XXXX stating the account was immediately closed. It further stated the credit agencies would be notified to remove the account from my credit report. The letter informed that my information had been flagged in their system to prevent further fraud. A letter dated XX/XX/XXXX was then received stating due to the account being older than one year and the person who opened the account had benefited from a purchase, Synchrony Bank refused to consider this fraud or close the account. On XX/XX/XXXX, I called XXXX and spoke to the Rep : XXXX. Upon trying to find my account using the only phone number I have had in over five years I was told I did not exist in his system. When trying with my name and the account number on the invoices I have received, the account was found. I requested to pay off the account and have it closed. I wanted in writing that this account was closed and would not effect my credit. I was informed by the representative that he would not do that. He stated the account had been considered delinquent and officially closed on XX/XX/XXXX. He stated the process had already begun to report this to the credit bureaus. The Rep informed me he would transfer me to the Fraud Department for further follow-up on my complaint and at that point terminated the call.
Product: Credit reporting or other personal consumer reports

Inaccurate inquiries on all my credit report : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A 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 1681 s2 ( a ) ( 1 ) states 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

This all ocurred through Citibank Wire Transfer Services. The case number assigned by Citibank for this incident is XXXX Intiated international wire transfer of {$1000.00} ( converted to XXXX New XXXX Shekels ) to daughter in XXXX on XX/XX/2020. Found out I had wrong XXXX # but correct XXXX XXXX. 

Amended wire transfer on XX/XX/XXXX. At the time of amendment, Citibank representative confirmed the new XXXX number I gave. 

XX/XX/XXXX - Received letter of confirmation about the amended wire transfer XXXX the one from XX/XX/XXXX XXXX but XXXX number was wrong - not the original wrong one from the XX/XX/XXXX event and not the new information provided and confirmed on XX/XX/XXXX. 

On XX/XX/XXXX - contacted the bank again and we corrected the XXXX number ( again ). Promised money would be available to Recipient no later than XX/XX/XXXX. 

XX/XX/XXXX, received another letter from Citi confirming the XX/XX/XXXX amended transfer information. All correct and we forwarded to recipient so she could track with her bank. 

XX/XX/XXXX, contacted the bank again because recipient was told by her bank that they had no record of the transfer. Spoke to supervisor, Requested a cancellation of the wire and that all the money be returned to our account. XXXX explained the process for requesting the return and confirmed that the transfer went through to Citibank 's subsidiary in the country XXXX Citibank XXXX XXXX and so the breakdown in communication appeared to be with the Citibank office in XXXX XXXX.. XXXX promised to investigate and call me back with an update on Friday, XX/XX/XXXX. 

XXXX XXXX, as I write this I have not heard from XXXX at Citibank with the promised update. It is currently XXXX in her time zone.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX XXXX XXXX cared number : XXXX Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I recently disputed this account with the bureau and the bureaus said it came back verified. I never received anything about this debt to know if it belongs to me and the original creditor. I'm not going to be paying a debt that is not mine. I sent a letter to Fox Collection on XX/XX/22 and they have not responded.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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: Debt collection

I had spoken to a representative and explained that I have been under XXXX since XX/XX/2020 and under XXXX XXXX. She said ok she will make a note of it this was a week ago and today I get served a legal papers threatening to take me to court. I attempted to contact them 3 times And I get hanged up on once its transfer. And they pulled my bank transaction without my authorization this is a joint account and no one gave permission to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with Navient ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that Navient reported that I missed 30 payments. The truth is I never missed a payment. Navient is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after Navient/XXXX took no accountability for their actions I consolidated my loans with another company. I no longer do business with Navient because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with Navient 's customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) Navient does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.
Product: Payday loan, title loan, personal loan, or advance loan

The company obtained my banking statements for the purpose of loan approval. They denied the loan because they said I did not have three times the loan amount cash in my bank account, at no point prior to receiving my bank statements did the company list this as a requirement for the loan. The company obtained my banking statements in a deceptive manner for a different purpose than what I was told.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern and dissatisfaction with the recent investigation conducted by your bureau regarding a disputed late payment on my account with XXXXXXXX XXXX, account number ending in XXXX. 
On XX/XX/2024, I submitted a request for investigation, clearly stating that I have never been late on any payments for this account. I provided you with the necessary details, including my expectation that your agency would conduct a thorough investigation and provide either proof of the alleged late payment or update the record to reflect that all payments were made on time. 
To my dismay, I was informed that your investigation concluded the late payment was " verified '' without any proof or supporting documentation provided to me. This response is both unsatisfactory and concerning, as it suggests a lack of due diligence in your investigation process. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and to conduct a reasonable investigation when a consumer disputes the information. The failure to provide proof of the late payment or to correct the error is a clear violation of these responsibilities. 
I demand that this matter be re-investigated with proper attention to detail, including : 1. Providing documented proof of the alleged late payment, such as account statements or communication from the creditor.

2. Correcting the inaccurate information on my credit report if proof can not be provided, reflecting that all payments were made on time.

3. Providing a detailed explanation of the investigation process that was followed and the specific steps taken to verify the information. 
Please consider this letter a formal complaint. I expect a response within 15 days, as stipulated under the FCRA. If the matter is not resolved to my satisfaction, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Thank you for your prompt attention to this matter. I look forward to your swift and accurate resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I subscribed to genius plan from Albert on XX/XX/XXXX at a cost of {$14.00}. They make it seems like this is required to use their payroll advance service. After enrolling and providing payment information, they signed me up ( without a separate acknowledgment or approval ) for an auto-saving/investing service, where they periodically withdraw funds from your regular checking account and invest it in funds controlled by Albert. Please see attached screenshot for the dates of deposits. 

I planned to cancel the subscription before it renews, so I went to the cancellation page on XX/XX/XXXX. The portal will not allow any cancellations while Albert holds any of your investments. I requested to withdraw any investments on XX/XX/XXXX, but as of XX/XX/XXXX the funds are not available and I have been charged a {$14.00} fee to renew the subscription for another month. When I attempt to withdraw the funds it shows that no funds are available. I feel this is unfair because the cancellation terms were not disclosed at the time of subscription, and I did not affirmatively invest funds through Albertit debited my checking account automatically.
Product: Credit card or prepaid card

The facts are as follows ( 1. ) I opened a Blue Business Plus Credit Card ( Last 5 digits - XXXX ) in XX/XX/2019. I opened this credit card in order to take advantage of the introductory 0 % APR offer. 
( 2. ) My first statement was XX/XX/2019 which required a minimum payment of {$42.00} by XX/XX/XXXX in order to keep my promotional rate. 
( 3. ) My checking account was hacked while I was abroad for my birthday in XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and therefore I was unable to make the payment. 
( 4. ) I called American Express in XX/XX/XXXX to explain the situation and reinstate the introductory rate. The customer service representative was unable to refund the fee but confirmed that he was able to reinstate the rate. 
( 5. ) Throughout the summer, I carried a balance on the card, assuming the 0 % interest rate was in effect. 
( 6. ) On XX/XX/2019, I saw that I have been charged {$810.00} ( see attached ) in interest for the last 3 months and immediately called American Express. The agent told me that the promotional rate was never reinstated and therefore I was charged the interest. When I asked for the account credit for the mix-up which was the fault of Amex, I was denied because there was never a request put in to reinstate the promotional balance. 

This is a clear bait and switch. Its an unethical con where the firm tell 's consumers that a 0 % APR is in effect, and then charges them a predatory interest rate of 22 % because it increases the bottom line. The firm purposely tells its agents to mislead consumers so that it can profit off of them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$160000.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$410.00} XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX XXXX : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$810.00}