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

all three bureaus Trans Union XXXX and XXXX are reporting inaccurate information on credit report on this account open in XX/XX/XXXX by Trans Union while XXXX and XXXX report date of open XX/XX/XXXX all three bureaus report a balance of {$550.00}. Reporting incorrect date last report it stating as XX/XX/XXXX by Trans Union while XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Date last active is reporting g as XX/XX/XXXX by TransUnion XXXX reports XX/XX/XXXX while XXXX reports XXXX XXXX. I have tried disputing account with credit bureaus asking to delete this account as it is stating incorrectly showing the date of last payment was XX/XX/XXXX of XXXX while payment history is reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while XXXX is reporting consecutive charge off all the way from XX/XX/XXXX through XXXX XX/XX/XXXX. Date reported on payment history makes no sense with the data reported on date of last payment just those here its a huge mistake that is hurting my XXXX XXXX and holding me back from obtaining credit. There is no possible way that XXXX bureau can report perfect payment history while the other bureau is reporting the whole opposite. Trans Union makes a comment of investigation meeting all FCRA requirements I strongly disagree with the results to this investigation as you can see on my copy of credit report account this account is a total mistake itself. Theres no way that all three bureaus can be right if information is coming from the same furniture data. this account is only updating the date last reported pushing back the date it should fall off this is not acceptable. Delete immediately account is a total mistake itself
Product: Credit reporting or other personal consumer reports

There is inaccuracy reporting on my Credit report, it shows XXXX missed payments for XXXX XXXX XXXX XXXX, XXXX Missed payments XXXX XXXX, XXXX Missed XXXX XXXX XXXX XXXX, XXXX Missed XXXX XXXX XXXX XXXX. 

I also looked at my accounts and seen accounts that was closed that I never had. These accounts were : XXXX XXXX XXXX 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 am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me without my knowledge or consent, resulting in significant distress and concern. Regrettably, I have fallen victim to identity theft and have taken immediate steps by reporting the incident. It is imperative to swiftly address this issue as it has adversely affected both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letters sent out : XX/XX/2021, XX/XX/2021, XX/XX/2021 I've sent letters going back and forth about the items that are listed on my credit report and Experian has continuously disregarded my letters and have came back with so many different responses such as they verified it with the original company, or it has been updated. It is negatively affecting me to the point where I can not obtain new credit at all for anything. I've attached all my documents to reference to that are very clear on my steps to correct my credit reports. There are negative items that are affecting my credit severely. THIS IS MY 3RD COMPLAINT THAT I HAVE SUBMITTED AND EXPERIAN SAYS ONCE AGAIN THERE IS A 3RD PARTY? I WILL TAKE FURTHER ACTION IF THEY CONTINUE TO OVERLOOK MY COMPLAINTS. I'VE HAD ENOUGH AT THIS POINT. I'M NOT GOING TO KEEP PLAYING THIS GAME OF A 3RD PARTY, I AM SUBMITTING THIS ON MY BEHALF AND WHEN I TRIED CALLING YOUR DISPUTE DEPT THEY HUNG UP ON ME AND LATER SAID THEY WERE CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The problem I am having is that I contacted equafax and I spoke to XXXX from this company and I had informed him that the only address that should be showing on my credit report I also disputed a lot of information that wasnt correct on my report I said to XXXX do you guys keep mistakes on people credit report because you guys get paid this way and he said I am correct this is not fair to me and there are violating.
Product: Checking or savings account

There was a promotion to open an account at Citibank to receive XXXX XXXX XXXX XXXX by having transactions in the amount of {$750.00}. After opening an account based on the advertisement and using the card to receive the promised promotion, the bank did not give the reward miles. 
My husband and I contacted Citibank on XX/XX/2022 at XXXX PST checking account department where they put me on hold for more than 2 hours, then they rejected the promised promotion by adding another criteria. To the best of my knowledge it is a clear misleading approach and a fraud to advertise to open an account and later ignore what they promised. I talked to an agent where he told me he can not help me with this issue, I requested to talk to a supervisor and after 2 hours waiting, she was rude and did not help at all. I also requested if you are adding a new criteria, please give time to complete but they simply ignore my request. I talked to a lady supervisor with the ID of XXXX and she refused to provide the ID of the previous agent. If there wasn't the promotion, I was not willing to open a checking account with this poor customer service.
Product: Mortgage

Here 's my complaint for anyone to read and judge. In XXXX I was with XXXX XXXX for my servicer and was a bit late with my taxes {$33.00} but managed to pay. My reason for not paying was medical. I had already a payment arrangement with my Tax Office and agreed to pay the late payment. I wasn't aware the Fannie Mae sold it or transfer it to Shellpoint /NewREz , an boy this company has bad ratings with consumers already. This company through XXXX contracted a 3rd party agency to check my taxes ( called XXXX, they shared later after speaking with them that Shellpoint added escrow and insurance which I've been paying myself for the last 5 years. I contacted the servicer and asked them why? their answer was they can do whatever they want. I felt as ex-military that my rights weren't of importance. Not only have they added escrow to my account and charging for past late taxes when they weren't the server then but also adding insurance to  my statement knowing that I've been paying on it and never behind or late. I believe we don't have any right in this world we live in now. It's a shame when someone doesn't even inform you there doing this. As of today XX/XX/XXXX, I am in forbearance until XX/XX/XXXX, and have mailed several payment and statement showing these payments not being applied and still being charged for insurance after my agent at XXXX send these idiots the 3rd copy of my insurance declaration page
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted requesting that you remove the disputed fraudulent accounts and information off from my Credit File. I sent a letter on XX/XX/2022, to remove the fraudulent accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Once again, I request of you to remove the following accounts completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that you send me the results of your investigation within the time allowed by law in the event that you believe the disputed accounts belong under my name. If you are not able to verify, immediate deletion of the disputed accounts is expected.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used the XXXX app to send {$200.00} to my mother. Id used it before with no issues. My mother registered with XXXX so I added her as a contact. On the app, it said the money was sent to my mother and the transaction was completed. However, the last digit of her phone number was entered incorrectly, so the money was sent to someone else. 

I called Wells Fargo the same day to figure out why she didnt receive the money and they told me it was sent to an account with XXXX XXXX XXXX, which she does not have. When we realized the phone number was incorrect, I called Wells Fargo again to see what could be done. They filed a money movement claim, gave me a case ID number, and assured me they wanted to help me get my money back. 

However, on XX/XX/XXXX I got a letter stating the case was closed and there was nothing they could do. If Wells Fargo puts this service in their app to encourage customers to use it under the guise of it being safer than XXXX, why do they not protect the customers who use it? By offering it through their own app, they market it as something trustworthy and do not educate their customers about the potential risks or the fact that they can not help if something goes wrong. I expect my bank to protect me, especially when using one of its services ( the Wells Fargo App ), and instead am left wondering why they would partner up with a service that does not have customers best interests or safety in mind. 

Furthermore, the person who received my money must have also been a registered user already based on how quickly the money was transferred. ( It was not left pending, as it would have been if the user was not yet registered. ). Why didnt XXXX protect me and my money by checking that what I entered matched XXXX own records? They allow the contact to be saved with whatever name is entered by the sender. I feel like I was not informed that this was possible and assumed the information was correct because it saved with the right name. There is no step in place to protect the sender - even the confirmation step only shows the saved contacts name, not phone number, for final verification.
Product: Credit reporting or other personal consumer reports

Experian continues to deduct XXXX points from credit score every month that keeps under a XXXXXXXX XXXX XXXXXXXX XXXX for no legitimate reason this an ongoing issue with Experian. Im starting to like there discriminating against me not limited to me being XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Experian Call center representative are of other nationalities. XXXX requesting a investigation and my points returned to there proper perspective.
Product: Credit card or prepaid card

On XXXX XXXX, 2022 my Chase XXXX credit card has been charged {$100.00} for XXXX XXXX XXXX. Which I didn't order or buy. I didn't order anything from XXXX XXXX on Internet ever. Also I didn't receive any watches or anything from XXXX XXXX. 
Those charge has been disputed twice with the bank, but both times they tell me that disputed transaction is valid. None info about this transaction has been provided to me. And I don't have any documentation, because I didn't order or received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XX/XX/XXXX, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/XXXX. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -ALLY FINAN 1, XX/XX/XXXX -XXXX XXXX XXXX , XX/XX/XXXX -XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I found a federal Trade commission report and it was an identity report cause Im a victim of identity theft sent that to all three credit bureaus and they took it off. It got deleted, but they allow the creditors to put it back on three weeks to a month later Item JP mortgage Chase XXXX XXXX all three credit bureaus XXXX XXXX XXXX XXXX XXXX Im asking for you guys assistance because theyre not following the law Ive attached my FTC report along with this statement. My number is XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please if you have any questions feel free to give me a call. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has fell to provide the accurate source of information for a public record that appears on my consumer report. TransUnion relies on an inaccurate source for information ; the information source is different from the Bankruptcy itself. TransUnion stated US Bankruptcy XXXX MS verified this public record. I have attached the letter from the bankruptcy court, which in fact does not furnish nor verify public records. Under 15 USC 1681g, it is required for the CRAs to give the accurate source of information. So, that I can properly dispute the information being reported with the source. I requested the information source previously with TransUnion ; in which the information was never provided as requested. TransUnion has stated public records are obtained through a third-party vendor, LCI. 

In a previous CFPB complaint, LCI stated their information source is XXXX XXXX does not furnish nor verify public records. The source for this public record is inaccurate. I did not give TransUnion consent to furnish this public record on my consumer report. TransUnion has invaded my right to privacy. TransUnion has also fell their grave responsibilities under the FCRA.
Product: Debt collection

CREDENCE - CALLING MY LANDLINE TTY/TDD NUMBER XXXX TIMES TODAY... I RETURNED THE CALL THE XXXX TIME THEY CALLED. 
THEY ARE LOOKING FOR SOMEONE WITH SOME MEDICAL BILL OF $ XXXX. 
THE PERSON THEY ARE LOOKING FOR -- > NO SUCH PERSON AT MY TELEPHONE NUMBER. I'VE SOUNDED LIKE A BROKEN RECORD PLAYER AND I HAD TOLD THEM TO REMOVE MY NUMBER OFF THE LIST. 
THEY MADE PROMISES XXXX TIMES TODAY. 
AND YET, THEY'VE CALLED ME XXXX TIMES! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is now my third formal dispute regarding the inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) on my Experian credit report, and I am beyond outraged. I have had enough of Experians blatant negligence and refusal to fix this clear-cut error. Despite multiple disputes and more than enough time to correct it, Experian continues to knowingly misreport my payment status as Current, was past due 30 days while XXXX and XXXX accurately report Paid or paying as agreed. Experian is knowingly fabricating late payment history when XXXX and XXXX show no such thing. At this point, this is not incompetence this is willful misconduct. Under 15 USC 1666b ( a ), a payment made on time CAN NOT be reported as late, yet Experian is blatantly ignoring the law. This is a direct violation of 15 USC 1681e ( b ), which requires Experian to use reasonable procedures to ensure maximum possible accuracy a standard it has repeatedly failed to meet. Experians refusal to conduct a legitimate investigation, as mandated by 15 USC 1681s-2 ( b ) and 15 USC 1681i ( a ), only further proves its complete lack of accountability and reckless disregard for my consumer rights. This is not just negligence this is willful noncompliance. Under 15 USC 1681n, Experian is liable for statutory damages of up to {$1000.00} per violation and given its repeated, ongoing violations, these penalties are stacking up. Experian is also responsible for actual damages under 15 USC 1681o, as this misconduct has caused me financial harm, credit damage, and emotional distress. Its failure to comply with 12 U.S.C. 5531 further demonstrates its deliberate disregard for fair and transparent dispute handling. Experians refusal to act is completely unacceptable. I will not tolerate being ignored, dismissed, or forced to deal with the consequences of Experians reckless and illegal reporting any longer. Fix this immediately or face further escalation.
Product: Checking or savings account

I have been a banking customer with Wells Fargo about a decade now. For the most part my banking experience was an enjoyable one up till about 4 or 5 yrs ago. I sometimes receive overdraft fees when the money was transferred to my account, from another bank, or charges come through after what they call " processing closing times. The closing time as I was told was XXXX or XX/XX/XXXX. So anything after that time would post the next business day and would be pending. If a charge post to my account and there is no money or not enough to cover it, I get charged a fee. Because of this practice, I have alerts through text and email that tell me exactly when something posts and the amount I'm overdrawn. On XX/XX/XXXX @ XXXXXX/XX/XXXX I received and email that said my available balance was XXXX and I received a text at XXXXXX/XX/XXXX. These alerts were set up by a Well Fargo mgr ; I was told it was real time. I could prevent overdraft fees by being alerted once I'm in the negative by transferring money once I received them. Money was transferred at shortly thereafter and it brought my account to a positive state. My account closed the previous business day at XXXX and some change positive. I called and spoke with a XXXX we both reviewed the transactions and agreed the my account had a positive balance at closing. So I was refunded. XXXX The very next day on XX/XX/XXXX, my account was positive when I went to sleep. I received an alert via text an email that my account was negative XXXX at XXXXXX/XX/XXXX. I received this alert at XXXX via text and XXXX via email. I transferred XXXX in less than XXXX min later. My account again was positive. I then receive a notification that my account was XXXX and that I received two overdraft fees. One of these same transactions, I was told was on hold yesterday and was taken away from my available balance when I received the 1st fee, the prior morning. I called again and asked why did I receive a fee when I received the alert this a.m and why was it processed for the 11th and not the business day of the 12th? Then he said the alerts aren't real time as I've been told. I then requested my account to be closed. This has become repetitive every few months. They experience a glitch or something that causes me to get a fee. When it's my fault, I pay it without a problem. It seems as this is nothing but a money grab for them, while I have to fund it. I'm tired of it! It needs to stop.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX  XXXX XXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$930.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I gave XXXX {$1500.00} dollars to be sent to XXXX to a bank. The money has not reach my bank account. I spoke with XXXX several times during the month of XXXX and the only answers I go from her was : There was a delay with the transmit ion, please check with your bank. I kept going to the the agency to inquire about my {$1500.00} dollars until late XXXX when the agency closed down. I also contacted the manager 's office and I was told to go back to a place that was closed down. I filed a police report ( attached ) Please advise!
Product: Debt collection

This is the third time that I have complained about this fraudulent account. I have attached a copy of my FTC ID Theft complaint and XXXX police report.ERC # XXXX XXXX XXXX NA # XXXX. I fail to see where ERC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. ERC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.