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

I have been a victim of identity theft since XXXX when my wallwt wasstolen from me. inside was all my personal information such as my CA identification card my social security card my children 's social security card. My banking information. My homeless certification etc. I was currently homeless when this account was fradulently opened XX/XX/2018. I Informed all 3 credit reporting agencies of my idenity theft circumstances and requested that they place a fraud alert on my credit profile as well as a personal statement indicating my identity has been stolen and to PLEASE verify my identity before issusing out credit. I have disputed this matter with EXPERIAN CREDIT AGENCY. They have not followed the law because this personal ststement was added to this credit report profile on XX/XX/2018. This account in the amount of {$9800.00} from XXXX XXXX XXXX  on my credit file NEEDS TO REMOVE IMMEDIATELY. There has been a police report filed and the temporary tracking number is XXXX. I have mailed a direct disput to this company as well as EXPERIAN including my identity theft report and affidavit and a copy of another creditor that finished their investigation and requested their account be removed due to fraud. Please contact them XXXX XXXX XXXX  AND REQUEST THEY DELETE THIS ACCOUNT FROM MY EXPERIAN CREDIT FILE.
Product: Credit reporting or other personal consumer reports

The XXXX account in question was paid in full and discharged with a 1099A that was accepted by the IRS and a copy B was sent to their CFO and indentured trustee. This paid in full account is still visible on all Four of the credit reporting agencies after I sent a written affidavit enforcing my right to opt out. They are still in violation of unlawful reporting to the four consumer credit agencies Transunion, XXXX, XXXX and XXXX XXXX.
Product: Credit card or prepaid card

Back in XX/XX/XXXX I applied for a XXXX XXXX mastercard promotion issued by Barclays. 
Since XXXX Barclays has been sending me letters requesting personal documentation such as identification, utilities documentation to validate my address and copy of my social security card. 
I sent the documentation in XX/XX/XXXX within the time frame requested. 
After more than 60 days of not receiving any communication with Barclays I called them and asked about the status of my application. 
An employee request me to send evidence of address since for some reason they didnt accepted the one u already sent. 
Which was a utility bill. 
They didnt explain me why. 
XXXX I sent by fax and mail ( both ) my checking account statement showing my physical address. 
Two pass and I received a letter notifying me that my application still incomplete and that they need me to call their security department. Which I did. 
XXXXAnother employee told me that my application was completed and that it was approved for a XXXX credit line that they will mail me the card. 
The card did come. But I did receive another letter requesting me to call Barclays ( for a 4th time ) I called today and the employee name XXXX ( no last name they are not allowed to disclose their information ) asked me for my full name, address, birthdate, complete social security number, phone number, application number and he couldnt find my record. He stated that this was because my application was 90 plus days due. 
That I will have to applied again. 
So, my question to him was why am I holding a letter dated XX/XX/XXXX requesting me to complete information on my application is that application no longer exist in your system. 


I have sent this documentation twice. I have called more than 5 times. I waited months. 
And there was no answer from them. 
It seems that they do not want to honor their XXXX XXXX offer or its a scam.
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed below is being reported on my credit profile incorrectly, I've asked the bureau 's to remove the inaccurate information numerous times but I have yet to receive a response. I would like for XXXX Transunion and XXXX to do a thorough investigation on incorrect accounts reporting on my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX negative XXXX opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Important Messages
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, Transunion has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose. It is showing a late payment for XX/XX/2022 on my XXXX XXXX  ending in # XXXX on file AND a late payment for my XXXX XXXX XXXX  beginning in # XXXX for XX/XX/2022 TOO. This is simply not true. I would like an investigation launched about this supposed late payments.
Product: Debt collection

I have received a phone call from an unknown party, they claimed to be debt collectors.

They attempted to extract the last 4 digits of my SSN and my date of birth. They claimed I have an ambulance bill from 2015. I have not been in the hospital nor have I used the ambulance that year. The phone number indicated on the caller ID is XXXX They wanted me to " settle '' the debt, I assume their next step was to extract a debit or a credit card info.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these banks have pulled a hard credit on my XXXX XXXX and XXXX and they didnt get my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PASSED COUPLE OF YEARS MY CREDIT KEEPS GETTING PULLED. I HAVE DONE SERVAL POLICE REPORTS ABOUT THIS ALREADY. I HAVE CALLED YAHAMA IN A COUPLE OF OCCASIONS. THE MONTH XXXX  XXXX AND XXXX MY CREDIT KEEPS GETTING PULLED BY YAHAMA BOTH THE STORE AND THE CREDIT CARD. I WENT IN ONCE IN XXXX TO LOOK AT A BIKE. EVER SINCE THEN I KEEP GETTING MY CREDIT PULLED BY THEM EVERY NOW AND THEN. I HAVE FILED A POLICE REPORT ABOUT THIS ALREADY.
Product: Credit card or prepaid card

On XX/XX/2020, I reviewed my account and saw my credit limit decreased from {$4000.00} to {$500.00}. I called and was told a memo was place on my account on XX/XX/XXXX to decrease my credit. She then informed me that this was a business decision and not a decision based on me. She then informed me that, if I would like a credit increase then they can do a credit check. I told the representative that was absurd, because decreasing my credit limit and a hard inquiry would negatively impact my credit score. I called back a second time and was told a letter was sent out to me today XX/XX/2020, explaining the banks decision to decrease my credit limit. 

On XX/XX/XXXX I paid {$2000.00} On XX/XX/XXXX I paid {$800.00} XXXX i was unable to make payment, because I lost wages due to being placed on 30 day medical leave. 
On XX/XX/XXXX I paid my account balance off which was {$3800.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX transunion XXXX XXXX XXXX XXXX Balance {$4800.00} Date Opened XXXX XXXXXXXX, XXXX  I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX {$3800.00} Date Opened XX/XX/XXXXXXXX  I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

credit XXXX bank date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

Inquiries XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a hair appointment to get my hair braided. I had to secure my appointment by sending a deposit. Turns out it was a scam. I tried contacting the merchant but they blocked me. I tried contacting my bank but they refused to give me my money back and cancel the transaction. I tried contacting XXXX but they refused as well. I just want whoever was behind that phone screen and locked away.
Product: Money transfer, virtual currency, or money service

During the period of XX/XX/XXXX to XXXX, I was scammed by fake crypto exchange and got big finance lost, most of fund transferred to us domestic bank which named as Chase bank and XXXX XXXXXXXX XXXX, I have called my sending bank to recall the wire, unfortunately I didn't get response. below is the detail transaction that is been made. 
XX/XX/2022 wired {$100000.00} to chase bank account : XXXX, suspect name is XXXX XXXX XXXX XXXX XX/XX/2022 wired {$200000.00} to chase bank account : XXXX, suspect name is XXXX XXXX XXXX XXXX. 
XX/XX/2022 wired {$400000.00} to Chase bank account : XXXX, suspect name is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My US Bank Credit Card is paid in full and has a XXXX balance ; but US Bank is still showing that I have a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a collection on my report. This was a fraud claim that was approved then clearly not approved. I sent a check for the balance to clear it. I have the court paperwork. The credit report agencies refuse to accept this over certification from XXXX XXXX. I have asked my attorney to look into filing suit against each credit reporting agency.
Product: Debt collection

Attempting to collect an expired debt from 2008. Atg credit is repeatedly calling me and harassing me. This is an expired debt. They also refuse to remove it from my XXXX credit report. The original creditor was career education corporation. I paid this debt in full when I was attending school. Years later they tried to say I did not pay XXXX dollars I did actually pay. This is fraudulent, as well as being expired debt.
Product: Credit card or prepaid card

I contacted synchrony bank that takes care of the XXXX  XXXX card I use. 
I made my payment on XX/XX/XXXX, they then charged me a late fee for being a couple dollars off? Paid {$25.00} like I always do, I wasn't aware of the amount difference or issue on the account. 
Some how the other payment for XX/XX/XXXX didnt go thru for the monthly amount I set it up for, they ended up closing the account for me/returning that {$38.00} fee and would not work with me to take care of the other late fee ( from XXXX ). 
I won't do business with them again, I got really upset with them and refuse to be their customer with their bad business practices, I paid my XXXX bill and said I'm done with them totally. They need to be better to their customers, thats why I chose to leave.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE HAVE BEEN TONS OF UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND SEVERAL MORE I HAVE DISPUTED THESE ON SEVERAL OCCASSIONS AND AND HAVE BEEN DENIED BY THE CREDIT BUREAU BECAUSE AFTER CONTACTING THE COMPANY ITSELF THEY HAVE TOLD ME THAT THEY HAVE AUTHORIZED THE CREDIT BUREAUS TO REMOVE THE INQUIRY WHICH THEY HAVE NOT.
Product: Debt collection

My daughter, XXXX XXXX, was contemplating an expensive procedure at her XXXX, XXXX XXXX in XXXX. She asked them to see if she would qualify for a loan from XXXX XXXX XXXX. Then decided against having the procedure. Her XXXX, XXXX XXXX cancelled the request for a loan. They have sent me the documentation stating that the loan was cancelled and no monies were ever received. Never did I agree or sign anything as a co-signer to this loan but Cambece Law firm continues to harrass me while ignoring my documentation from the XXXX office.
Product: Prepaid card

I Deposit {$520.00} XXXX XXXX Ref Num XXXX To Loud My RushCard XXXX On XXXX/XXXX/15 XXXX My Acc Balance Is {$0.00} Custumer Service Is Not Avelable ( not one XXXX number is working I Ca n't Access to No Rep ) I Do n't Have Access To My Money Day 7 With No Access To My Money XXXX/XXXX/15 XXXX
Product: Consumer Loan

I paid my vehicle loan company ( Santander consumer USA/ Drive Financial ) through my banks XXXX electronic funds transfer system on XXXX XXXX. XXXX XXXX I received a voice mail message stating that my car note was late. I immediately called the etrade who gave me a confirmation number provided to them from Santander. I then called Santander and was told that even though I had a confirmation number I would need to submit a copy of my bank statement showing the said transaction. I sent my bank statement on XXXX XXXX and an additional document showing all of my bill payments to Santander. After Santander received the documents I was told they were insufficient and I needed a copy of the electronic funds transfer or the check that etrade sent to them. I called etrade and was told that they have no way to provide me with either piece of documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

With both Equifax and XXXX XXXX XXXX am not able to get my credit report I even paid Equifax and they charge my card twice and I still have not gotten access to my account where I could see my credit report when I called the XXXX numbers for both Equifax and XXXX XXXX they are saying that my ZIP Code and my social does not match but on the three credit reporting agencies they do show my report This is crazy Im trying to get out of debt and and I have told them I can not get through the telephone line for the pre-screening being incorrect with my social security number I have made a police report because some furniture was charged in my name but I cant even speak to a live agent or a foul a dispute because I can not get past The phone screening and that is messing up my credit And its not fair why should I have to Have bad credit because theyre screening will not allow me as a consumer as well as a person who they have all of my valuable information but will not give me access to it this is how I get a home this is how I get vehicles but I cant see what Im doing
Product: Debt collection

XXXX XXXX called me claiming to own title to my debt to a XXXX account that is no longer in now Wells Fargo 's system. used current personal information to contact me and threatened to hurt my credit as well as put me in XXXX.
Product: Credit card

I recently opened a Citibank Costco Card on XX/XX/year>. I went through many hurdles with opening this account to the point I wrote into the Executive Office for assistance with my application. I finally received a call back was told they needed proof of income which I submitted and I was approved a few days later. I just received my card 3 days ago and used the card twice for small purchases. I logged on the card today XX/XX/year> and on the app it said closed. I've done nothing wrong and followed all steps necessary to have a card. I feel Citi has singled me out and have XXXX discriminated because of the XXXX XXXX XXXX XXXX  to close my account without merit or reason.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX between XXXX to XXXX pt. I applied for credit with netcredit on the website and my application did not process I got an immediate denial and that denial reasoning ( a suspicious device ) the most silly reason I ever heard in life. Then at the bottom they had the nerve to then blame it on a outside third party consumer reporting agency that is unknown. When I contacted netcredit they could not give me a legit and factual answer on what that means. They are using AI which is denying people and falsely making accusations which is unfair and very offensive I could not believe it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint regarding the erroneous accounts reporting on my Credit report. I have been submitting CFPB complaints as well as send dispute letters requeseting for the correction of the erroneous accounts on my Credit report and it is clear that the Credit Bureaus have never even conducted a proper investigation on my Credit Report and have kept insisting that the disputed accounts were NEVER ERROENOUS ansd HAVE BEEN UPDATED. This is just nonsense since every month I have been checking for updates with my Credit Report and it is clear that they have done nothing! Under the FCRA section 609 and 611, the Credit Reporting Agencies are required to verify the accounts disputed by the consumer and provide copies of documents as verfication that the information reported are true. None if this were done by the Credit Bureaus and have been insisting that the information they report are true. I have reached the limit of my patience, if the Credit Bureaus can not correct the disputed accounts, it is better for them to delete the disputed accounts from my Credit File. Under the provivions of the FCRA, I need the following accounts DELETED, if they can not correct, from my Credit report : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} DEPT OF EDXXXXXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}