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

It is my greatest pleasure to have this opportunity to write to you this email. 
First of all, this incident did occur backed in XXXX, while I was on a transit to XXXX, XXXX XXXX. I made a transit through XXXX, when I arrived in XXXX and ready to continue through to XXXX to XXXX my final destination, the XXXX immigration officer at the post, insisted that I needed a transit visa to pass through XXXX. 

In fact, he made me missed my flight. I was stranded at the airport ; the following day, travel to XXXX to apply for transit visa, which don't require, but I did go to XXXX to apply for the visa at the British consulate to enable me to continue my travel. 

Furthermore, when I came back from XXXX, back to US after two weeks of my visitation there in XXXX, I started working and was fired by my Company that I was working with before travelling. Since then, no company hired me ; even if the company did hire me, I would be fired when they received my background result. Because none of the employers informed me the result of the background, this continued until XXXX when one company told why they were not able to give the job or hired me for the project. 

On the Other hand, they assisted me to filed a dispute ; by sending me a dispute form to fill a dispute form on that mistakenly report showing as a criminal code in my recorded report. 

I had indeed suffered, mentally, physically, emotionally, and economically as a result of this wrongly listed of record mistakenly in their XXXX XXXX databased. 

I have supporting document to share to upload for your review and consideration. for all most two decades, my entire life had been a strongly as result of negative record. 

My credit score had been damaged as a result of this episode, I couldn't get hired to earn an income that would enable me to pay my student load, even quite recently, when I apply SBA LOAN, I has been rejected as a result of my default student loan which wasn't a fault of my owned. 

I am appeal to you, to review case and assist me clear my name and my reputation. This had indeed destroyed my entire life. It had denied me of many opportunities despite, my achievement and had work. 

I will look forward to hearing from you soon Thank you Yours faithfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

THIS ACCOUNT RECEIVED MY MONEY IN A SCAM AND THEY CHOSE TO NOT RETURN IT - XXXX / XXXX XXXX was the fraud name they used on the account. 

Here 's what happened. 

I was called by one woman who identified herself as the XXXX XXXX XXXX department. She asked me if I had made recent purchases - I had not and told her no. She then told me I had wire fraud happening and she gave me a bunch of information about the case - mimicking a XXXX XXXX case id, the amounts and which accounts it was from by using the last four digits of the account numbers. She said the fraud for wires would call back on the same number and that she would hold until that happened then hang up, she told me who would be calling from that department. He did. He then proceeded to walk me through " returning the funds to me '' via the app, he told me to write his name down, with the account number she gave me, ( XXXX ) which was framed to me as a case number also, he said, before you add recipient write XXXX in the memo to reverse the wire. He correctly told me that then when I add recipient, it will change to my name. It did, so it looked like I was wiring myself. All of this was done in app. He then said I would receive a text saying, XXXX XXXX XXXX  : Wire transaction amount of XXXX has been canceled and will be refunded. I did ( I made TWO WIRES ) because it was framed as the only way to return both attempts. The phone number I got the text from was XXXX. The next amount was XXXX. 

Here 's the problem, Chase has fraud occuring in their accounts which is provable and I am sure insurable - but I DID NOT RECEIVE MY MONEY IN RETURN. I am one of thousands who this happens to on the daily I am sure but as one we are many. 

I expected Chase to comply with XXXX XXXX and return the money.
Product: Vehicle loan or lease

I purchased the car in XXXX. My original loan amount was approximately {$9300.00}. My payments are {$270.00} a month. My loan is held by Credit Acceptance Corp. When I originally got the loan, I arranged for my payment date to line up with my pay dates, at the end of every month. I submitted my payments by that payment date. Approximately 4 years later, I learned that the company had been considering all my payments as late and I believe reported it to the credit agencies as such. They also assessed late fees to my payments without notifying me. Several of my payments have not been recorded or counted toward the payment of my car or debt. As a result, I have been paying on the car for almost five ( 5 ) years, and I am told that I still owe over {$4000.00} on my car. I have proof of my payments on months which they said were not paid. I presented proof of payment and was ignored. I have repeatedly requested payment history and have never received such. They do not send my monthly statements, and the online account with the company does not allow you to see payment history. There have never been any attempts to repossess my car, despite the inaccurate claims of non-payment. At this point, I believe I have more than paid off this debt, I also believe they have severely damaged my credit history.
Product: Checking or savings account

Navy Federal Credit Union in XXXX XXXX deposited PAYROLL check on Friday XXXX, XXXX, Tuesday my funds were available. Wednesday they were not. Put a hold on my funds. Told can't access my funds until XXXX XXXX. Called 3 different times to settled this. My car payment went NSF.. on both ends XXXX XXXX and NFCU. My payroll check is also drawn on XXXX a payroll company. First check deposited with no problem, walked in and gave to bank teller. I've never missed or had late payments on my car payment. Can't pay any bills or use my money for food, gas. Shame on you. I'm a XXXX XXXX XXXX and work with XXXX  helping our community. My son is also a decorated Veteran. As my husband.
Product: Money transfer, virtual currency, or money service

The institution chime financial granted me a credit limit of {$490.00} and after paying the outstanding balance I shouldve been able to withdraw up to {$490.00} as which is described on my account, but after paying the outstanding balance, the company only let me withdraw {$160.00} out of my total credit limit of XXXX leaving me without $ XXXX {$350.00} during the holiday season and crucial bill payments needing to be paid I seek to make chime financial reliable for my loss of money and cause of my late payments and unable to hold this {$490.00} credit limit
Product: Debt collection

XXXX had put me on collection for the amount of {$480.00}, in which I called to canceled the services prior moving back in 2011. Paying last month of service and was told that I do not owe anything. Now the account is in collection for quite sometime now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to work with Experian on the following accounts to request updated payment information on accounts that were never late. I provided documentation and requested information regarding the investigation and was provided NO information besides " the debt was verified, '' or information is accurate with no further information. 

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

In accordance with the Fair Credit Reporting Act, account XXXX XXXX acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX 15 U.S.C . 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A section 2 It states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting or other personal consumer reports

These accounts have been beyond illegal and I will keep complaining. Please remove these illegal fraudulent old accounts off my report. Please remove this! 

**Collections/Charge Offs** XXXX XXXX XXXX  Balance {$13.00} XX/XX/2024 XXXX XXXX XXXX Balance {$57.00} XX/XX/2024 XXXX XXXX Balance {$150.00} XX/XX/2024 **Inquiries** XXXX XX/XX/2024 XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

I woould like for all of my of my information on my credit report to reflect the correct name, address, social security number, phone number. 

I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. 
1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.

2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.

3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.

4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.

5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights.

6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights.
Product: Checking or savings account

XX/XX/year> - utilized Marcus by Goldman Sachs account to pay first month and security deposit of over {$3600.00} to rental management, this was my first transaction in the account other than funding it. There were no errors with transferring funds, the transfer cleared with Marcus and my rental agency XXXX XXXX XXXX XXXX XX/XX/year>- I attempted payment to same rental agency with second month fees using Marcus account, I received no notices flagging the transaction, no notices of transfer failing, no correspondence at all. 
XX/XX/year> - I received notice from my rental agency saying they did not receive funds for my XX/XX/year> transfer due to account frozen. 
XX/XX/year> - I called into Marcus customer services asking why account was frozen, I verified myself ID with name, DOB, SSN, and a secret passphrase. I was then escalated to the fraud department because they stated they could not verify who I am. The fraud department asked me to verify myself with PIN numbers sent to phone numbers they had in an outdated database that are not in service ( one was my mothers phone number from 10+ years ago, and the other was a number I had no idea about ). Because I could not verify using these numbers, they created a fraud case against me, and stated that they need 3-7 business days to come up with security questions to ask me so I can verify myself. They did not provide a case number, a reasoning behind the case and account freezing, and did not allow me to verify myself in other ways. They told me I had to wait, did not tell me who to contact, if I was going to be contacted, and did not send me any notice regarding the incident. 
XX/XX/year> - I called into Marcus customer service and was able to verify myself with the first support person using name, DOB, SSN, and secret passphrase. I was sent again to the fraud department where they again asked me to verify myself using the same ambiguous and non-existent phone numbers, and because I was not able to do this, they again said I had to wait. I asked to speak to a supervisor, they said they could not do that. They said to call back each of the next 3 days during business hours to reach a supervisor. 

This account is used to send rent payments. I am now nearing 3 weeks of non-payment for my rent, and am being threatened that legal action will occur if I dont pay my rent. There has been no effort on Marcuss end to resolve the case. They are stalling. I understand that Goldman Sachs is trying to get out of consumer banking, and I believe these account freezes ( which are happening across the board to thousands of accounts with Marcus ) are intentional ways for them to relieve themselves of consumer banking indirectly.

I would really appreciate if this was looked into. I am a college graduate with little savings trying to make it on my own and this experience with Marcus is impacting my life, career, and safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CHILD SUPPORT CASE SHOULD NOT BE ON MY CBR AS THERE IS NO PERMISSION FROM THE COURT TO PUBLISH THIS INFO ITS ALSO INACCURATE I WAS NEVER LATE IN XXXX AS I AHD FULL CUSTODY AND HAVE HAD IT SINCE XXXX AND ALL THOSE LATES SHOULD BE REMOVED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries are not authorized. Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have disputed a account on my credit from XXXX XXXX XXXX XXXX with a debt of {$880.00} with TransUnion I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX XXXX, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a chapter  XXXX  bankruptcy that was dismissed because I was not informed that the chapter  XXXX  could not be discharged, when I discovered this information I had the  BK  dismissed and paid the creditors I have been working on improving my credit and they will not remove this information
Product: Debt collection

Company is showing these debts on my report and I have disputed them but these are not mines so I have done my part by disputing those items as instructed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a XXXX XXXX XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$610.00}
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent 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 I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information which is damaging consumer report. The account listed XXXX XXXX Account # : XXXX XXXX XXXX is listed multiple times with several inaccuracies. 

XXXX XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - XXXX XXXX Account # : XXXX XXXX XXXX Account Status : Closed Paid Paid No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

1. Previous to XX/XX/2019 reported the issue of the incorrect line item to all 3 credit bureaus and the credit bureaus reported that the line item was Resolved by Data Furnisher. 

2. On XX/XX/2019 wrote to the Data Furnisher of the line item requesting validation of the debt. The Data Furnisher has a different address for each of the three credit bureaus. Having 3 different address appears to be an attempt to confuse the consumer and cause diversion. I sent a certified letter requiring a signature to all three addresses listed on the 3 credit bureau reports. 

3. On XX/XX/2019 wrote to all three credit bureaus to address the concern again and provided the collection of documentation to include : previous letters sent and copies of the certified mail certificate requiring a signature ( one of the three was returned as undeliverable ). It has now been 120 days and I have not heard back from the Data Furnisher.
Product: Credit card or prepaid card

I went to pay my payment online at the credit card companies website. It was XXXX XXXX on XX/XX/XXXX, the day the payment was due. Before I made the payment I noticed the last activity on the card was a {$25.00} late fee added on XX/XX/XXXX. 

At the bottom under where you pay a notice said that payments made after XXXX XXXX. EST would not be credited until the next day so even though I was making a payment on the day it was due, I was being charged a late fee anyway which was added the day before the payment was due. I made a payment of {$100.00} and the website said a payment was made on XX/XX/XXXX. 

I called the company the next day and they reversed the fee " as a one time courtesy. '' If a consumer makes a payment on the day the payment is due regardless of what time of day or night it is how is it legal to charge a late fee?
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX Info Employers XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Credit reporting

Equifax is not responding to any of my requests to investigate and remove XXXX fraudulent account and numerous fraudulent inquiries from my credit report that do not belong to me and were not initiated by me.
Product: Debt collection

I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXX XXXX XXXX XXXX XXXX XXXX ( now sold to a collection agency PORTFOLIO RECOVERY ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.