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

Hello, my name is XXXX XXXX. I am a natural human being and I have rights under 15 U.S.C. 1681. I am submitting this CFPB complaint to address the Credit Reporting Agencies, Experian, XXXX and XXXX, to request the complete removal of incorrect and unverified information from my credit report. I have been sending countless letters requesting Experian, XXXX and XXXX to remove the item from my Credit Report. Yet, they have done nothing to resolve this issue. FCRA Section 611 ( 15 U.S.C. 1681 I ) states inaccurate and non-validated information MUST be deleted from the consumer 's credit report in accordance with paragraph ( 5 ) ( A ). I ask CFPB as a last resort for help addressing this ongoing negligent matter. I wrote to the original creditor and the 3 bureaus disputing the accuracy of the improper account mentioned below which is negatively affecting my credit accounts. The accounts are being reported as a result of an error and it's damaging my reputation. According to the Fair Credit Reporting act, the account with XXXX XXXX  ( account number : XXXX, Open Date : XX/XX/2022 ) has violated my federally protected rights. I had no other choice left, but to submit this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting negative information without sending me copies of original documents as proof of verification, please understand that I will initiate legal action. 
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 an account without my written instructions. I have never given any instructions to this company to furnish this account. 
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. 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. Checking the reported account, it has missing information reported in Experian, XXXX, and XXXX. The information does not match across the 3 bureaus and it's not reported correctly. Account name, Status, Status Updated, Balance Updated, Monthly Payment, Past Due Amount, all these are reported differently and incorrectly and its missing information. These are clear violations of my federally protected consumer rights.
Product: Credit card

My card ending in XXXX I was approved for a Barclaycard on XX/XX/2017 I was asked if had a transfer 0 % Int. I did, to XXXX XXXX for {$4800.00} XX/XX/2017, Went on line did not see the transfer. 
Used the card on XX/XX/2017 and saw the transaction of {$55.00} to XXXX Still did not see the transfer of {$4800.00} About three weeks after approval I see the transfer of {$4800.00} to XXXX XXXX, XXXX times $ XXXX.= total of {$9600.00} I called after sending 4 emails and no respond. 
Lady said that Indeed looks like an honest mistake/Error. 
Lady on the phone said if I return the {$4800.00}. I will get the transfer fee of {$140.00} back and only pay XXXX transfer fee, since it was an error. 
I made a payment of {$4800.00} to them online. the XX/XX/XXXX I called today to make sure I get back my fee back on the error transfer. 
Another person on the phone said I will not get any fees back. 
I want my {$140.00} back for the error transfer that it was made.
Product: Money transfer, virtual currency, or money service

Dear XXXX, I am writing to report a complaint against Kraken, a XXXX XXXX registered as a XXXX XXXX XXXX with XXXX. I have been unable to access my funds, and Kraken has been unresponsive to my repeated attempts to resolve the issue. On XX/XX/year>, I initiated a withdrawal of {$390.00} from my Kraken account to my bank. However, the funds have not been deposited into my bank account, and I have received no updates on the status of my withdrawal. I opened a support ticket with Kraken on XX/XX/XXXX, but have not received a response. I have also attempted to contact Kraken through their online chat, but they were unable to provide any information about my withdrawal. Krakens lack of communication and failure to release my funds is unacceptable. I am concerned that they XXXX be engaging in practices that violate my rights as a consumer. I respectfully request that XXXX investigate this matter and take appropriate action to ensure that Kraken fulfills its obligations to its customers. I can send copies of the support ticket email, and chat logs as evidence if need be. Thank you for your time and attention to this matter.
Product: Checking or savings account

From XX/XX/XXXX all the way for about a year funds was being with drawn from my Chime account and they don't understand that I was XXXX  multiple times and in the XXXX. I didn't not authorize anyone to use and of my Chime funds. They will not truly investigate. None came from me nor did I have a card to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a fraudulent account and charges on my report cause a profound effect to my credit score thru no fault of my own. 

I'm including a FTC report along with a bank statement and my XXXX ID to provide my identity.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX These inquiries has no permissible purpose to be on my credit report. Please delete these inquiries due to violation 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are inaccurately placing addresses that do not belong to me under the credit file provided to the social security number provided to me. The attached addresses need to be removed.
Product: Credit card

I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB and XXXX, I recently noticed ( Last month ) that I was late on my account, and I called XXXX immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from XXXX, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a car through a scam company XXXX XXXX XXXX XXXX XXXX which informed me that XXXX is their parent company and I should send {$20.00} XXXX via wire transfer to their account # XXXX at Wells Fargo. I never received the car and can no longer contact the seller. Wells Fargo opened multiple cases and concluded with we can not refund your money with no explanation other than the money is not in their account any longer. I disagreed and they opened a new cases resulting in the same conclusion. I also contacted the Office Of The Comptroller Of The Currency ( OCC ) concurrently. The OCC agrees with Wells Fargo citing the money is gone. They mentioned the XXXX which I don't understand since this is a consumer transaction. I also contacted my local police, The New York Attorney General, The Federal Trade Commission and the XXXX Florida police to no avail. 

Wells Fargo opened a fraudulent wire transfer account without proper due diligence and I believe I should be refunded since I relied on their reputation in sending the funds. Wells Fargo provided no information on the extent of their investigation and why they reached their conclusion other than the funds are gone. By opening these fraudulent accounts Wells Fargo is facilitating consumer scams. I can not believe that Wells Fargo can open a fraudulent wire transfer account that hurts consumers with impunity. I am over XXXX XXXX XXXX and was not worried wiring funds to a WellsFargo customer. 

Any help your fine XXXX XXXX can give to recover my funds will be greatly appreciated. 

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

The credit bureau is refusing to remove a collection account on my credit report that does not belong to me. The account number is "  XXXX  '' and it has a past due balance of {$11000.00}. I have never had any business dealings with  XXXX   XXXX  and in all of my disputes, I have never been provided with supporting documentation to validate this debt. The credit bureau provided with me  XXXX   XXXX  's contact information in their response letters and after having called multiple times, they can not find any record that matches my personal information for this past due debt. Since I am not the person who created this debt,  XXXX  is refusing to send me any documentation to validate my claim and remove this from my report. Thus, I am stuck and the credit bureau is continuing to report someone else 's account on my credit. I need this to be deleted from my credit as soon as possible.
Product: Debt collection

On XXXX XXXX, 2016 I file a claim against Citibank and XXXX XXXX XXXX XXXX regarding a collection account that still is being reported it to the XXXX major credit bureaus, Citibank issue a letter on XX/XX/XXXX stating that they will follow through an investigation and that they would take them 3 month to notify of the results, it 's been 5 month already since I begin filing complaints against both of them. 
a Law Firm in New York called XXXX found violations being done specifically on this account XXXX has been the only XXXX that understood that this account should not be reported it anymore therefore they deleted it but the collection account is still active reporting it every month as of collection to XXXX and XXXX I have n't got No response from Citibank as they promise my record with both Citibank and XXXX XXXX is on your Data List with all the information pertinent to this collection account.
Product: Credit reporting or other personal consumer reports

Apparently there was a charge in XXXX  for {$39.00}. I had stopped using American Express due to a poor customer experience. When I finally got a chance to call amex to follow up on why i was getting hassled by them via text, email, and 1 phone call it was too late. They already sent in the information. Because it was several months, amex has already changed me late fees and finance fees but apparently they were written off. As we all know they there are so many fraudulent activity actors in this world that i was hesitant in speaking to anyone via phone, clicking on a hyperlink sent by a fraudulent person or an email telling me to log on through the hyperlink. Amex has told me that because i choose paperless statements they were not allowed to send me a paper message about this charge that has not been paid for 3 months and that it was my choice to get the statements this way. I said to them-how is someone who understands fraud actually click on a hyperlink or give someone vital information on a phone call. I said if they had paper mailed to me their attempts to get a hold of me to see why I missed such a small amount considering my account has a {$40000.00} limit. Is it possible that i was unaware of this charge and that amex had not done enough to prevent my account being sent to collections and or missed payments to negatively affect my credit score. Then i tried to explain all of this ( what i am writing here ) and they said to me that they have been trying to get a hold of me for months. I just dont understand why they would not send me a paper notification as to what is happening within my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXXXXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at The 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX  but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, My name is XXXX XXXX and I am filing this complaint because this is the third time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action
Product: Credit reporting or other personal consumer reports

For the last several months I have spent time speaking with all XXXX credit agencies. XXXX and XXXX. Upon speaking with them i was asking for my credit report be updated from years of no reporting from different companies. 

After speaking with these agencies, I was informed they could not do any updating, they would have to receive a report from the vendor submitting an update such as accounts closed and paid off. They have 30 days to update my credit file. 

I was informed that it does show my accounts was paid in full and closed, however there has not being any reports to the credit agencies in years and they don't fill they have to since the account is closed and paid in full. I have spoken with the companies many times asking for help only to no end.
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 USC 1681. 
Account - XXXX XXXX  XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account - XXXX  XXXX Account - XXXX XXXX XXXXXXXX Account - XXXX XXXX Account - XXXX XXXX Account XXXX XXXX  XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX LL XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account-XXXX  XXXX XXXX Account-XXXX  XXXX XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX  XXXX BANKRUPTCY The following addresses are also in violation of my consumer rights : Address XXXX : XXXX XXXX XXXX XXXX XXXX IL XXXX Address XXXX : XXXX XXXX XXXX XXXX IL XXXX Address XXXX : XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX 15 USC 1681 section 602 A states I have a 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 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies. 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. I have also filed an identity theft report with the Federal Trade Commission on XX/XX/2023 report numbers # XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I submmited a complaint about Experian reported a  XX/XX/XXXX  days late payment with the company ;   XXXX   XXXX   ', this error caused a  XXXX  points down by  XX/XX/XXXX  is when Experian reported 30 days lat in   XXXX   XXXX  ,, after a submmited my complaint a week later, they experian reported other error now they reported 30 days late payment on   XXXX   XXXX  again this error is causing me big problems sice I coudnt get approved with some creditors, plus they lower my score at the same time, I m attaching proof of my   XXXX   payment.
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Please hel p me up to resolve this error since Im trying to buy a car.
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thank you so much in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY SOCIAL SECURITY NUMBER AND DOB AND OPEN UP UTILITIES IN MY NAME AT A FAMILY HOME ADDRESS. IN XXXX. AT THE TIME SERVICE WAS OPEN FRAUDULENT USING MY NAME I RESIDED AT A DIFFERENT LOCATION XXXX XXXX XXXX XXXX XXXX. THE NAME USE IS XXXX XXXX A FEMALE WHICH I DO KNOW A XXXX XXXX. I AM XXXX XXXX. ( MALE )  I PROVIDED EQUIFAX WITH A POLICE REPORT DATED XXXX WHERE I FILED WITH XXXX POLICE DEPARTMENT DUE TO SOMEONE OPEN A CREDIT CARD AND PAYDAY LOAN IN MY NAME. ALSO THE LANDLORD OF PROPERTY XXXX XXXX XXXX PROVIDED EQUIFAX WITH DOCUMENTATION STATING I DIDNT MOVE INTO MY NEW RESIDENCE XXXX XXXX XXXX UNTIL AROUND XXXX / THIS IS A FAMILY HOME AND SOMEONE THAT KNEW ME HAD TO OPEN IN MY NAME. EQUIFAX IS STILL REFUSING TO REMOVE. I CONTACT XXXX XXXX ( XXXX XXXX ) AND THEY ADVISED ME TO DISPUTE WITH EQUIFAX FOR REMOVAL. EQUIFAX DID NOT RESEARCH ENOUGH. THE OWNER / LANDLORD PROVIDED MY MOVE IN DATE TO SHOW THIS IS NOT MY DEBT. AND I PROVIDED IT TO EQUIFAX. SOMEONE FRAUDULENT OPEN UP THIS DEBT AND USE MY INFORMATION. I AM A VICTIM OF FRAUD AND SENT PROOF TO EQUIFAX. I NEED HELP WITH THIS MATTER.
Product: Checking or savings account

The week of XXXX XXXX XXXX unauthorized XXXX charges started appearing on my account. The first one occurred around XXXXXXXX XXXX the night of XX/XX/XXXX. I called the fraud center immediately after receiving the alert and told them that it was not me and it was fraud. The next day another charge for XXXX went through. I called the bank 's fraud number and reported it again. Charges kept going through despite the fact that I kept calling in and reporting each one as fraud. I was issued several new debit cards over the course of the week and nobody at the bank could figure out how to stop the charges. I told them I was going to close my bank account after they could not stop the charges from coming out. Finally someone told me that whoever I was speaking with before failed to disconnect my old debit card from the new ones being issued. Whenever a new debit card is issued, merchants like XXXX are allowed to have the new debit card number update in their system without having permission to. The bank should have realized this problem and disconnected my debit cards from each other completely. We have banked with Bank of America for 9 years and if you looked at all of our transaction history over the course of those nine years you would not see one XXXX charge on there because my husband and I have never used XXXX. XXXX transactions ran through onto our account before the bank could stop it. The bank payed all of the claims but one. I requested documentation on why the claim was not paid but they still have not sent me the documentation. I have screen shots of the XXXX transactions that went through and the letters they sent me paying all claims but one. I also have a letter from work stating that I was at the work that entire week that the transactions were going through.