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

I submitted a complaint for XXXX XXXX XXXX XXXX XXXX Ohio. My XXXX score remains low. My XXXX  score is fine. Why is XXXX XXXX and XXXX  XXXX? The hit to my credit with First Federal has been paid and the address with doctor corrected and my credit scores are not nearly the same. I have contacted a lawyer to contact First Federal. I had the same problem with XXXX before. If my credit scores are so vastly different there is a problem. My problem is historically always with XXXX. Not sure what they are doing but its not correct and should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm repeatedly attempted to charge the wrong debit card on my account and continued to do so after I asked them to change to a different card. It still appears on my credit report XXXX years later and is negatively impacting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus ( XXXX, XXXX, transunion ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review my file
Product: Debt collection

account resolution servi is reporting to XXXX, XXXX and XXXX that i owe them {$780.00} {$710.00}, i am not sure how they got these calculations because i never did business with them. i been disputing this account since 2018 and haven't gotten any response from them besides a attempt to collect on the alleged debt. they had 30 days to complete the re-investigation, yet they have failed to respond its been 2 months any Further delays are inexcusable. i am looking to get custody of my kids and need to move to a bigger apartment but this one account is holding me back. I have been more than patient with this company. It is unfair to my kids and I, it's like I have no rights over my report. please remove this account from my credit report they have no provided me anything to support the fact that i owe them money. They need to successfully discharge the debt or seek a different type of remedy besides ruining my credit. account number XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wired from XXXX XXXX XXXX {$7600.00} to Coinbase on XX/XX/2017. Its been over a month and it has not been posted to my account yet. I have called my bank and their bank and they said it has been sent to coinbase already. I have sent 3 emails to XXXX, as directed in their recorded message, but there is not a single response. Please help me to recover my money. Thank you in advance.
Product: Credit card

Wells Fargo in XXXX XXXX, GA opened a credit card in my name without my permission or consent. The banker never spoke to me about a credit card nor did I ask about a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I converted a XXXX  XXXX bankruptcy, filed in XXXX, to a XXXX XXXX in XXXX. In the process my lawyer, in error, filed a new XXXX XXXX case. The court immediately dismissed this case because it was filed in error. It should never have been filed and it should never been added to my credit report. Now I have XXXX bankruptcies showing, one discharged and one dismissed. The dismissed one I have disputed numerous times with XXXX and Transunion since XX/XX/XXXX. With those disputes I have included a letter from my attorney and the Certified Court Motion stating this case was a clerical error. Both XXXX and Transunion refuse to remove the dismissed bankruptcy. Both instructed me to obtain the Certified Court Document and they could remove the bankruptcy. However, when I provided the document both refused. Due to their refusal to remove the inaccurate case, creditors began attempting to collect on accounts discharged in the accurate bankruptcy. I have spent almost a year getting these creditor accounts straightened out due to XXXX and Transunions outright refusal to fix what I have proven to be incorrect. I have disputed online and over the phone numerous times. This bankruptcy must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, also act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about my personal information being inaccurate on my credit report. I've called XXXX, Equifax and XXXX about them reporting the wrong addresses on my report and they haven't resolve it and refuses to fix it. 

I am seriously concerned about the wrong addresses being reported and can also can jeopardized my identity or lead to Fruad if has not already. 

This is my fourth attempt trying to get these items removed. 
I wrote XXXX letters these dates XX/XX/XXXX, XX/XX/XXXX and I am sending a letter day and I also called them XX/XX/XXXX and they did not fix this issue.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to formally dispute and challenge the alleged late payments that have been reported on my credit file. I have identified discrepancies related to late payments that do not appear to be accurate or supported by valid documentation. I am curious as to whether these alleged late payments are fraudulent. It is essential to emphasize that I am challenging these late payments as " alleged '' late payments, as there is a lack of proper verification and validation of these entries. I believe that it is within my rights, as a consumer, to request proper verification and documentation to substantiate the accuracy of these late payment entries. 
The alleged late payments in question are as follows : ( Repeat below as necessary ) LATE PAYMENTS : 1. Creditor : XXXX XXXX  - Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Original loan {$100000.00}. 

Reason : Requesting verification of these alleged late payments Instruction : Update these alleged late payments as on-time never late ( this account was closed on and fully paid in XXXX ) I formally request that you provide the following information to verify the accuracy of these alleged late payments : 1. Verification of the Account : Please confirm the account details, including the creditor 's name, account number, and account history related to these alleged late payments.

2. Proof of Late Payments : Provide documented evidence, such as payment history records, invoices, or other supporting documentation, to substantiate the claim of late payments for the specified months and dates.

3. Compliance with Reporting Guidelines : Ensure that the reporting of late payments complies with all applicable federal and state laws, as well as the guidelines set forth by the Fair Credit Reporting Act ( FCRA ).

4. Reporting Accuracy : Confirm that the reporting of these late payments is consistent with the accuracy, timeliness, and completeness requirements outlined in the FCRA. 
I must emphasize that I take my credit history and creditworthiness seriously. The accuracy of my credit report is crucial to my financial well-being, and I want to ensure that any derogatory nformation on my report is reported accurately and complies with all legal requirements. 
I request that you promptly initiate an investigation into these alleged late payments and provide a written response within 30 days, as required by the FCRA. If you are unable to substantiate the accuracy of these alleged late payments within this timeframe, I expect that they will be removed from my credit report. 
Please be aware that I am monitoring my credit closely, and I reserve the right to take further legal action if these discrepancies are not addressed promptly and accurately. 

XXXX 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, ( XXXX ) XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, and XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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. 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: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XXXX XXXX if the following 3 accounts are not deleted by XXXX XXXX. I have already waited 6 months!! J & L TEAMWORKS Account Number XXXX J & L TEAMWORKS Account Number XXXX XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

On XX/XX/2021 @ XXXX am I received a message from an unknown employee with the same company I work for telling me that a bill collector called and left me the name number and company of a collection agency on my WEB Ex meeting messaging board. I work for a XXXX and we are not allowed to received debt collection phone calls. This debt collector called our general XXXX insurance service line and spoke with a customer service representative with my company. They asked of I worked there and the CSR told them they would relay a message to amongst other things I don't know were said. The CSR should not even have engaged in conversation with the person or looked up my information for them. This debt collector had no right to call my place of employment asking a random person for information about me. This incident has been reported to my HR department for further investigation.
Product: Credit reporting

I have called XXXX, Equifax and XXXX in regards to XXXX the incorrect balance on my credit report and incorrect 1st Reported Delinquency, with incorrect account closing date. They will no longer investigate and dispute the information because I have already disputed the information previously. Although they have already updated the information it still display the amount owed of XXXX. Anyway I try to get the information updated they will not disclose the correct information regarding the account listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection placed back on my credit report after being disputed last year and REMOVED. The collection was placed back on my report XXXX first. Now from I understand if a collection is removed and is being placed back on my reports I have to be notified by the credit bureaus. I was not notified of anything. XXXX  removed the account in XXXX and XXXX  and Transunion was removed in the summer of 2020. I have taken a nose dive in my scores because this account is inaccurately reporting. I called XXXX  and was told they never removed the account, its always been on my report. I sent the bureau all the report numbers that i received last year without that account in there. At this point I want everyone to follow the rules. The law is in placed for a reason.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you under circumstances conducive to immediate resolution. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to address two critical issues related to my account Despite multiple previous attempts to address the delayed opening of my account, the issue remains unresolved. 
Additionally, I have also been seeking assistance in the removal of a charge-off from my account. Despite my multiple attempts, the charge-off continues to affect my financial standing. 

I understand that these matters can be complex, but the extended delay in account activation and the persistence of the charge-off are causing significant distress and inconvenience. 


Expedite the process of opening my account and ensure its activation at the earliest convenience. 

Conduct a thorough review of the charge-off and take the necessary steps for its immediate removal. 

Improve communication channels to keep me regularly informed about the progress made on both issues and the expected timeline for resolution. 

Given the prolonged inconvenience, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I understand the complexities associated with these matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your institution 's services. I am asking for your assistance to correct these late open account and removal of charge off in my credit file : XXXX XXXX Balance Owed : {$5900.00} Date Opened : XX/XX/XXXX  Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. 
Please update it immediately. 
XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grant & Weber ( a collection agency ) is reporting on my XXXX, XXXX  and XXXX XXXX credit reports that I have a negative unpaid account charge in the amount of {$52.00} originating from the original creditor XXXX XXXX XXXX XXXX XXXX. However, I do not owe anything, as I already paid to the creditor XXXX XXXX XXXX XXXX XXXX the original amount owed -- {$50.00}. 
I have a copy of the check ( check # XXXX ) which I will upload here that was already paid to XXXX XXXX XXXX XXXX XXXX for account # XXXX. It shows clearly that {$50.00} was paid for this account, leaving a XXXX balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 : {$700.00} XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 there was an inquiry on my credit report from Exeter Financial. I had no idea where it came from. Ive sent letters to ask them to remove this. They respond saying it's accurate. I never heard of this company.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I contacted Ally Bank early last week to schedule a payment arrangement on my automotive loan due on XX/XX/XXXX, as my payment was running late and didn't want to be reported beyond 30 days. The customer service representative assured me the agreement we made would allow the payment would post in a timely manner and there would be no derogatory report with their company or on my credit report. 

The information/agreement providing by Ally 's agent was and my car payment then posted 2 additional days late, causing my account to be reported late and badly damaging my credit rating/report. 

I have reached out to Ally on multiple occasions and they refuse to listen/help in any way. 
Your assistance would be greatly appreciated, as i feel I have nobody to correct/resolve this highly unfortunate situation. 

Thank you!
Product: Checking or savings account

My name is XXXX I recently open a bank account with Citibank only for work purposes everything was going until all of all sudden trying to log in into my account I could never imagine its been a month Ive been with them never received a card or anything when they decided to lock it thats when I received a physical card I went to the bank to know whats going they told theres a hold on my account ask why they dont know I have to call fraud department call them now they saying my account is going for closure imagine I have {$25000.00} into my account I have bill I have need they not telling when Im gon na have my money or anything thats when I decided to go online make my research just to see everyone going through the same thing and thats so agains the law I went to the bank physical bring all my documents proving is me but they could do anything and my money is out there
Product: Checking or savings account

I opened and online checking account on XX/XX/2022 with Wells Fargo. 
I've have a XXXX  account where my direct deposit from my job with USPS goes to, so I connected the XXXX  account to the Wells Fargo account using plaid. 
It went through and I made a transfer. 
I also had my XXXX drop shipping account attached to my Wells Fargo account. 
Wells Fargo kept taking {$9.00} from the account every month for " handling fees ''. 
I soon got a notification that my account was going to be closed. 
I also had my Wells Fargo account connected to my Uphold XXXX account which I set up to receive my earnings from XXXX. 
Wells Fargo ended up closing my account stating that their was ID theft when I had not reported such. 
They told me only that I could reopen the account and didn't give me details on why it was closed. 
I spoke to a representative at the time before it closed to stop it from being closed and she said that she knew why but couldn't disclose to me why it was being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on Equifax on XX/XX/XXXX for not removing a fraudulent account. For another account which was removed properly at that time. 

However, Equifax added The XXXX at XXXX XXXX to my credit and this account is not mine. It is also listed on the police report they were provided. This is not my account and is included in the attached police report and needs to be removed ASAP! The accounts were reported on XX/XX/XXXX and date back to XXXX in the amounts of {$2000.00} and {$1000.00}. This is a result of fraud and needs to be removed immediately. Ive attached the corresponding police report to confirm this. 



Equifax also removed an account from XXXX XXXX that is mine. It is accurate and belongs to me. XXXX XXXX in the amount is {$27000.00}. This account should not have been removed. I did not dispute it or include it in my last complaint.