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

After the XXXX security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies. 

As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck. 

My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you
Product: Checking or savings account

In XXXX of XXXX, I received an offer after completing a NON-member ATM withdrawal ( I still have the receipt with the offer on it ). The offer states : " Open a new checking account with minimum opening deposit of {$25.00} by XX/XX/XXXX. Within 150 days of account opening, receive a total of {$2000.00} or more each month in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. '' The offer was for {$300.00} bonus deposited " within 45 days of completing the requirements of this offer. '' I opened the account with the {$25.00} deposit on or about XX/XX/XXXX. While awaiting my payroll company to process and approve the direct deposit, I ALSO deposited some funds via ATM to make sure the account stayed above {$0.00}. 
My direct deposit began on XX/XX/XXXX, ( well withing the 150 days of opening ) and for three consecutive months, at over $ 4000 monthly, I continued to receive these direct deposits. The third consecutive month, would have been XX/XX/XXXX. 45 days later, would have been, the XXXX of XXXX. 
The first calls I made to Wells Fargo, was in XXXX, simply to inquire about HOW to ensure I had opened the correct account and that the promotion was ready. There were no objections, though everyone would tell me that once the requirements are met, it is automatic. On the XXXX of XXXX, ( well after my requirements would have been met ) I spoke with " Dermesh '' simply confirming I WILL be receiving the bonus. He said it would need to be sent to another department, and i received a number : XXXX and was told i would get a reply within 10 days. After waiting with no responses, i called again today, XX/XX/XXXX and spoke with " XXXX '' whom confirmed the conversation, and confirmed i did make the required deposits, and began investigating why no funding was received. When she got back on, the story changed to " you didn't make three consecutive deposits, you missed XXXX. '' My understanding was, and still is, that i had the 150 days as indicated on the promotional offer, to make 3 consecutive monthly deposits. It does not say 3 IMMEDIATE months, rather, WITHIN 150 DAYS. Not only did i start this within the 150 days, i also completed the last deposit within 150 days. Now, no one can even tell me what the 150 days represents, given three consecutive months is only 90 days. This reaffirms that for two months into the promotion, you can make no payments, and still end up with three consecutive deposits within the 150 days. I was sent to file a complaint with " XXXX '', and have no impression that my case will even be heard. simply, a complaint at this time. My complaint number is : XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had opened a XXXX XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments before the merchant chose to close the account in XX/XX/XXXX. I paid the account in full the following month. The information reporting on the account is all incorrect. The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my credit report. My line of credit was {$800.00}, not {$600.00} as stated on my credit report. This account is almost 10 years old and has been closed and paid in full for over 7 years. I need this account removed from all 3 of my credit reports immediately as it is affecting my ability to obtain new credit. I have addressed this with XXXX XXXX XXXX and all 3 credit bureaus and no one has resolved this issue for me.
Product: Checking or savings account

On XXXX, my identity was stolen and a checking account was opened in my name using my information at Huntington Bank. The emails I received appeared to be fraudulent so I ignored them. I was notified on XXXX, by XXXX XXXX, that the account was real and opened, so I contacted Huntington Bank the same day to inform them of the fraud and ask that they close the account. I was told they'd need 30 days to investigate and close the account. 

I've contacted them three times since then, include by mail, to ask if the account was closed and to ask that they provide documentation that the account was closed and I'm not financially responsible for anything related to the account. They refuse to provide an update on the issue and have stated that nobody can tell me when things will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these six accounts on my Experian since last year XXXX and nothing I mean absolutlely nothing is being done about these they are not mine they do not belong to me therefore they should not be in my credit report I have Opened a Identity theft report I have reached out ot bureaus and furnishers and they dont seem to care that I am a victim here I need these off my credit asap!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account XXXX XXXX XXXX Acct # XXXX Amt {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX, XXXX  XXXX Dear TRANSUNION Team XXXX My First & Last name are as follows : XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 







Please delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX XXXXIncorrect Address : ** The report includes an incorrect address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The addresses listed above I have not resided in. My Current Street Address are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 16815-2 ( AX1 ) 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 request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made.

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being.

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My PayPal was shut down under there terms and services agreement!! Theres no evidence I was doing anything illegal I own a business and do not engage in criminal activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX Balance : {$99.00}
Product: Credit card or prepaid card

Problem with available credit not being updated in a timely fashion once payment was made. 

On XX/XX/2023 I made a payment of {$300.00} to my Indigo Charge Card account. Indigo is processed /managed by Genesis FS Card services. 

On XX/XX/2023 Genesis withdrew the fund from my checking account. 

As of today, XX/XX/XXXX the payment has posted to my Indigo account but the available credit has not been updated. I called Genesis and was told that the update to available credit will not be done until XX/XX/XXXX. This is 14 days after payment was made and received by them. 

This is excessive in todays electronic age where transactions are completed in most cases in real time. Also, nowhere on their website or the bill from this company does it state this policy. I was also told that this is randomly applied so a consumer has no idea when their payment will result in credit being available. 

This is just wrong and predatory behavior on their part since they are dealing with consumers with less than perfect credit or no credit who are just starting to build their credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was scammed out of XXXX 
On the same exact date I filed a claim with Wells Fargo. I was denied. I appealed the case and I was denied again. I wrote a letter and I faxed them a lot of paperwork till this day a month and a half later I have never heard from Wells Fargo once I complain so much that they said theyre gon na get me in contact with the XXXX who handled my case. They said he will contact me within one hour. Still to this day no one has ever contacted me Wells Fargo has been very disrespectful and has continued to tell me there is nothing they can do for me there decision is final there is nothing I can do.
Product: Debt collection

originally owed a credit card debt to XXXX XXXX bank back in XX/XX/XXXX that apparently was closed in XX/XX/XXXX an sold to collections for the amount owed {$2500.00}. Was unable at that time to take care of it and thought it was unusually long for them to keep the debt opened for so long before closing it. Am trying to fix credit now but new collector ( midland funding ) is now charging almost double the original amount - {$4000.00}. please help it is the only debt holding me back from succeeding in any business and they are not willing to give any explanations for this old credit card debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$6800.00}, XXXX XXXX XXXX, XXXX XXXX {$2100.00}, XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2800.00} and XXXX XXXX XXXX {$3900.00}. I contacted Experian on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries from sources that I do not know of, this is fraud. Several from XXXX  XXXX, XXXX XXXX, and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that they have notified all Three Credit reporting Bureaus to remove any account listed on the attached letter. I filed a case with the CFPB dated XX/XX/XXXX and XXXX XXXX XXXX stated that they notified the all three credit bureaus a month ago. The case number for reference is # XXXX.
Product: Credit reporting or other personal consumer reports

I also respectfully requested to be provided proof of the alleged items pacifically proof, that these payments were in fact late by the provision of the consumer protection law I demand, if unable to do so, or backing proof that these payments being late to update my payment status as XXXX paid as agreed never late and supply a corrected credit profile any creditor who has requested the access to my credit profile in the last 6 months
Product: Credit reporting or other personal consumer reports

There are some accounts on my credit file that I dont recognize. I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments associated with these accounts. 
These accounts do not meet FCRA requirements. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card This account is reporting a 30 day late payment on XX/XX/XXXX but on XX/XX/XXXX it is being reported as current. This data is not accurate or reliable being that there is only 30 days in a month. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

XXXX.Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. The data does not show when the last payment was made, it shows that a {$5.00} payment was made XX/XX/XXXX I requested proof of this but it was never provided. A proper investigation was never conducted. 

XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX The data does not show when the last payment was made, I requested proof of this but it was never provided. A proper investigation was never conducted. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX The data does not show when any payment was made or the last payment and when this account became charge off, I requested proof of this as well as a 1099c form the creditor should have provided to me when the account status changed to Charged off but it was never provided. A proper investigation was never conducted.

Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file.
Product: Debt collection

Greetings I have NOT received the Documents from you, I REQUESTED ( PURCHASE AGREEMENT ) .You Failed to show PROOF OF Ownership. You Are STILL Reporting INACCURATE, Incorrect, Information on my Credit Report.

I'm reporting you to the Attorney General, because you Purchased my PERSONAL INFORMATION, WITHOUT MY CONSENT.You are now in NON COMPLIANCE with the F.C.R.A Section 611 15 USC 1681 ( i ).
Product: Student loan

I filed for Chapter XXXX bankruptcy protection in XXXX primarily for relief with XXXX private student loans serviced by XXXX XXXX ( now Navient ). I have multiple student loans with Navient. Only XXXX of the private loans were part of the bankruptcy repayment plan. As part of the plan I repaid the balance of these loans in full with 4 % interest, and did so 2 years early XXXX XXXX XXXX ). Subsequent to receiving my bankruptcy discharge I noted that the XXXX accounts which should have been paid in full were still present and had a balance. After doing some research I realized that the trustee 's payments for the bankruptcy had been directed across ALL of my loan accounts, not just the XXXX that were named in the suit. I called Navient to inquire about this and was initially instructed that there was no issue, that all accounts were in good standing and there was nothing to be concerned about. I later discovered after checking my credit score that these XXXX accounts were actively being reported as " Charge-Off '' with an outstanding balance that showed as not being repaid. I have not missed any payments since completion of my Chapter XXXX bankruptcy. I have paid these loans as directed both by the Federal Court and by Navient. I have on multiple occasions sought to resolve and correct this with Navient, but I have received no admission of error or assistance in resolving this dispute amicably. Today I was even advised by a Navient employee that it might be easier for me to just go back to my attorney and file proceedings in bankruptcy court to resolve this issue. This is actively impacting my credit score in a negative manner and is impeding my ability to put this unfortunate issue behind me. I do not see how it is my responsibility to take time away from my job, hire an attorney, and return to court when that is exactly what I did already with the original filing. I followed the terms of the repayment plan laid out in bankruptcy court, and did so faster than required. To me this amounts to continued punishment despite repayment of a debt, the very thing the bankruptcy court is supposed to let consumers avoid.
Product: Student loan

I have struggled to receive my public service loan forgiveness at every step of the process. they claim this is because my loan is consolidated with my husband 's so it's " hard to see '' in their system. In XX/XX/2018, I finally had all the pieces in place. I my employment ( XXXX XXXX ) had been approved several times. I had ( sent by them ) a listing of all qualifying payments showing that I had made more than 120 qualifying payments. I submitted the final application for forgiveness and received a response that I had no loans with them. This always happened every time I submitted an employment verification. It would take a phone call, they would submit it for review and, within a couple weeks, it would be approved. So I called on XX/XX/2018 to have it submitted for review. They said they would but I heard nothing for over a month. Again I called on XX/XX/2018 to inquire about the status of the review. The person I spoke to gave me false information about the eligibility requirements. I asked to speak to her supervisor. The supervisor investigated and found all the pieces of my information ( employment approval, loans, payments ) and said she was putting them all together in one email and sending them for review. Again, I heard nothing. I called again on XX/XX/2018. At first the person helping me couldn't find my account history at all. Then he claimed that he saw the review and it was still " in progress '' and it would take " a while '' and that he couldn't say how long but there was no point in me checking up on it because they're very busy and have a lot of applications to review. It has now been over six months since I should have had my loans forgiven and I can't get any information from XXXX except that I need to keep waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, 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 a account without my written instructions.

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

I am writing to express my continued concern and frustration regarding unresolved disputes on my credit report. Despite my previous efforts, I have yet to receive a satisfactory resolution, and I feel compelled to address this matter with renewed urgency.
Product: Debt collection

I have disputed numerous of times through the credit reporting agencies and directly to the company to no resolve. I have asked for this negative reporting to be taken off the credit reports as it is my right by law for them to not report this while in dispute. I have sent a letter of cease and desist. I have asked for Portfolio to show contractual obligation directly between me and them and said creditor with me. I have not received any wet signature showing such agreement between all parties involved. I have nothing to do with Portfolio buying bad debt from XXXX XXXX. My right to privacy has been stricken by XXXX giving my personal information to a third party company who has costed me much anguish. 
I sent them an affidavit in truth and they did not respond to the line items. They ignored to answer to it and it is my right that an unrebutted affidavit stands as truth in commerce. I was denied a loan for my daughter 's education due their negative impact upon my credit report on XXXX, XXXX, and XXXX. I need this off my credit report. I do not owe Portfolio Recovery Associates, LLC any monies as I never conducted any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX