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

The credit reporting agency is XXXX. 

Credit score decreased XXXX points without any changes to the credit file. They have provided potential lenders with an inaccurate assessment of my account : Proportion of balances to high, revolving credit utilization, the utilization is at 0 % without any revolving credit. 

Too many accounts with balances, I do not understand this as 90 % of my accounts hasn't received a late pay dated since 2006. Payment history should be reflected as reliable and low risk. 

Serious delinquency, the creditor has failed to remove errors with the accounts via previous disputes, and medical collections listed should have been covered by medical insurance without any financial liability. However there is a XXXX XXXX account that was closed and excessively charged due to deceptive practices and unfair lending with great history. I haven't filed a complaint yet. 

A significant portion of these collections are very old and should have very little impact. 

They are not reflecting my credit report the same as other XXXX XXXX and I am being XXXX discriminated against in lending because of it. 

Lastly with thr amount of errors and inconsistency in lending slacross the board I demand for those inquiries to be removed as it was not a fair credit assessment and with all 3 reporting agencies. They need to correct the credit report and remove disputed items, and unauthorized inquiries and fraudulent accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I transferred {$500.00} to my XXXX checking account from my cash app account. I got a notification showing completed, but three minutes later I received a notification on cash app that the transfer was declined by XXXX XXXX XXXX XXXX CA. I have been in contact with both Cash app customer service and XXXX Customer service. XXXX customer service explained to me that they have no pending transactions of {$500.00} on their end which makes sense since the {$500.00} was declined XXXXhree minutes after the initial transfer that showed completed. I disputed my case to cash app showed proof and was declined to be refunded for my {$500.00} which clearly is a clerical error on their behalf. All I want is my {$500.00} back its been well over 7 days and I'm at a loss of {$500.00} that disappeared into thin air with no help or resolution from the main source which is cash app.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

my name is XXXX XXXX and im writting today, In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
acct name : XXXX  acct. # XXXX acct name : XXXX acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX  acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX XXXX XXXX  acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX acct # XXXX acct name : XXXX XXXX XXXXXXXX acct XXXX XXXX acct name : XXXX XXXX  acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX XXXX acct # 's XXXX, XXXX acct name : XXXX XXXXXXXX acct : XXXX acct name : XXXX XXXX acct : XXXX XXXX XXXX, XXXX acct name : XXXX acct # XXXX acct name : XXXX  XXXX acct # XXXX has violated my rights.

15 U.S.C.1681 section 602 A. States i havev 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.

these inaccuracies are causing me not to purchase a home or estabish any new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking to get all inquiries from XXXX to be removed they were not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Unusual notifications/responses from crediting checks. ( XXXX, XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. I have reached out to the FTC and to my local police department. Again I am doing this all on my own and can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX AND XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times, I have written to Experian to delete accounts that I am no longer an authorized user on. As of today, I got another alert back from Experian saying that the account remains. Yet, in their system, these accounts are coded as " Authorized User '' " Terminated ''. These accounts are not my responsibility and, furthermore I am not listed on these accounts anymore. The companies tell me that since I am/was not the account owner they can not talk to me.
Product: Checking or savings account

I have a checking account with Bank of Hawaii  in XXXX. Currently the checking account is a $ XXXX/month " XXXX  XXXX XXXX XXXX '' account, their highest-level account. 

On XX/XX/XXXX, I sent Bank of Hawaii an online message asking to change the account to " Convenience Checking, '' their free checking account type. They answered and told me to send them a signed and dated hardcopy letter. I sent the letter on XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from Bank of Hawaii, telling me that the only way to change the account type is to visit the branch in person. They said they can not change account types without an in-person visit to the branch. 

There is only one Bank of Hawaii branch in XXXX, the hours are very limited, and the waiting area is the outdoor parking lot. The last time I tried standing in that line, I gave up and went home after one hour standing in the hot sun. 

It seems unreasonable that I can't make a simple change to my account by phone, internet, or mailing a letter. Every other bank I've ever dealt with would make this a simple process. 

I just want my account changed to " Convenience Checking '' without needing to stand in an hours-long line.
Product: Credit card or prepaid card

I read through all the terms and conditions of the Uber Visa Card program and applied for the card on XXXX. I was approved without any issues, which means I should qualify for their Signature program and have my card delivered the next day ( i.e. XXXX  ) via XXXX, as mentioned in their terms and conditions ( i.e. the contract for this relationship ). However, upon calling and speak with their reps for more than two hours, they are not willing to abide by the terms and conditions. They are only offering me the following options - wait for two weeks to receive the card or pay {$15.00} to receive the card after 2-3 days, neither of which is mentioned or aligns with their terms and conditions ( i.e. contract ). Moreover, I asked the rep at least 5 times to transfer me over to a manager and he made me wait for an hour but still, neither transferred me over nor agreed to do so. In addition, whenever he asked me if it's okay for him to place me on hold, even though I said no, he ignored my answers and requests and continued to do as he wished. I'm not sure if what I experienced is customer service or customer harassment.
Product: Credit card

Hi my name is XXXX giving you a call with client services in reference to your existing credit card account it is showing here in our system that your interest rates are going to be increasing on your next monthly billing cycle I see that you are eligible for XXXX XXXX interest rate for what I'm going to do is put this in a pending status until you give us a call back I can be reached at my direct line which is XXXX again that number is XXXX you can speak with me or any of my colleagues thank you and we will speak with you soon This is the XXXX i received and think its a scam. Phone number XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I fell victim to a multi-layered scam operations run by XXXX which involved me making deposits for a total amount of {$47000.00} from my Wells Fargo account to fraudulent investment firm ( s ). At no point did Wells Fargo flag any transaction or warn me of potential scam activity.
Product: Credit reporting or other personal consumer reports

Citizens Bank is the issue. They have very poor customer service relations, and incompetent people answering the phone lines who do not know how to direct your call or answer your concern. 

I had a citizens bank heloc opened in Fall of XXXX. In XXXX of XXXX, I requested a payoff amount which XXXX XXXX XXXX paid off. However, they provided an inaccurate or not up to date payoff, and without my knowledge the heloc remained opened, despite records of my request to close it in XX/XX/XXXX. I realized all of this in XX/XX/XXXX. I made two separate payments online through a representative ( two different representatives ) who assured me my payments would close the account that had not been closed prior. This was again not accurate. There was still a small balance accruing that I had no idea about, and no communications from Citizens bank. 

In XXXX of XXXX when I tried to refinance, it came up on my credit report that I was {$2.00} late on a payment for this home equity line of credit. The one I thought was closed in XX/XX/XXXX ( and there is documentation of this request ) and that I again tried to close or pay off whatever minimal balance in XX/XX/XXXX via phone representatives ( two different individuals ) Since XXXX of XXXX, I have called and been transferred and went into two branches to plead for help and direction in regards to how to close this account officially and permanently and to get the blemish removed from my account. 

While I did eventually close the account ( again! ), my credit report is ruined and I can not get another mortgage to save my life. 

I have pleaded and sent letters asking for adjustments on my credit report, and have been meet with people who are rude, condescending, unresponsive and unprofessional. 

I have been sent letters by their offices that are signed by the Vice President, but no contact information whatsoever.

This bank has essentially devastated my financial standing, and caused undue stress and harm to my family. They have had so many opportunities to make it right, and each person either stands their ground that there is nothing they can do or nobody I can speak to or they apologize that there are people but they dont know how to get in contact with them. 
It is absurdly frustrating on so many levels. I make a 6 figure salary, and am in a reputable position. I have two small special needs children and the effects of this banks incompetence have had a snowball of devastating financial effects that are affecting my familys emotional stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports were run and I never authorized nor provided my social security number to these sources. Someone has my social security without my permission. I only went to XXXX XXXX. Only was run or permitted for that source. Someone has run my credit 4 times after that completely against my permission.
Product: Bank account or service

The bank assessed fees of {$35.00} for overdraft and also a {$27.00} a day fee for the account which they are now trying to sue me for. These fees are obsurd and also saying they paid when they did not pay, and they said they did the overdraft protection is discrecionary and nothing was approved or paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtain a copy of my credit report and noticed some errors. I noticed multiple addresses that I never resided, also incorrect name being reported. I attached a copy of my social security card and proof of address. ( SEE ATTACHMENTS ) MY report should only reflect one name and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading proof from a complaint XXXX I submitted. I received a response from the company thank you cfpb I submitted feedback but didnt upload my proof from my transunion credit report. Experian and XXXX are completely wrong for reporting my XXXX XXXX account with a late payment back in XX/XX/2015. The investigation done by XXXX shows proof that these 2 accounts were never paid late.
Product: Checking or savings account

I am writing to file a formal complaint against Navy Federal Credit Union regarding their denial of my request for complete copies of bank statements for the following joint accounts : Member Checking Account Ending in XXXX Membership Savings Account Ending in XXXX I have sought these complete statements to ensure responsible financial management and transparency, but Navy Federal Credit Union has consistently refused to provide them, depriving me of essential financial information.
Product: Payday loan, title loan, or personal loan

Initially, I made a payment plan to pay off my past due balance in the amount of {$3200.00} to Net Credit. However, as this didn't reflect positively on my credit report., I was forced to pay the entire amount past due {$3200.00} in order that the company will stop having negative reports each month. 
Currently, my payment schedule still reflects the past-due amount already paid. The website states that it is paid. 
I have contacted the company over XXXX times. I was told that I am on the manager escalation list to call me 7 days ago. Nobody will call me and as it stands if I don't want negative credit reporting I will need to pay everything according to the schedule otherwise my credit report will be ruined again. 
I filed a complain initially and received an email from them to call and adjust the schedule. The only answer I receive is from customer service and nobody else. 
This company is the biggest scam and unfortunately, I am stuck with that until I pay it off, however, I don't want to pay {$3200.00} twice. 
I can not get a mortgage until the correct that as well as their reporting on my credit and am living in a moldy house in house after Ian
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX representing Carrington Mortgage Services LLC placed an unauthorized hard credit inquiry via XXXX when attempting to sell me one of their products. During the phone conversation she made a request to check the last 12 months payment history with XXXX XXXX XXXX as they recently had purchased my FHA loan from XXXX XXXX XXXX. She guaranteed that this was to check the history from XXXX XXXX XXXX and not a credit inquiry. 

Immediately after she had run my unauthorized credit pull, I received notification from my credit monitoring software and I contacted her via email ( attached ). I was told that she did not believe that it was a hard inquiry. I proceeded to pull my XXXX, XXXX, and XXXX reports displaying the unauthorized hard inquiry on XX/XX/2018. I made the request to have the unauthorized credit inquiry removed from my credit report. XXXX responded that she could not and that I may dispute this with my credit bureaus and stopped communication. I proceeded to contact her listed manager XXXX XXXX, receiving no reply as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters has appeared on all three of my credit reports as a collection. I have never heard of these people, do not know who they are, have never taken a loan out with them and my credit score has dropped 20 points because of their actions. Please remove them from all three of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been closed since XX/XX/XXXX. XXXX is reporting the account is open and Im currently 180 days late as of XX/XX/XXXX. This account is a charge off and has been reporting as such for four years. This inaccurate information. And is hurting my credit with false information.
Product: Checking or savings account

I received my payroll check from my employer on XXXX, I that evening did a mobile check deposit into my credit karma account. Was then told via a message, that my check would release {$220.00} of it by the XXXX and remaining on the XXXX. A few days go by, then at XXXX XXXX on the XXXX, I received XXXX back to back emails, first said my check funds were in my account, the next stating my check had been rejected and returned. Believing this was a mistake, went to try and re-deposit the check again only to receive a message saying I could not due to the check being already cashed???? When I contacted credit karma, I was told nothing, they said my issue had to be escalated to an escalation dept and I would hear from them on my issue. Well I am now XXXX  days later and went to the checks issuing bank to cash my check since I now HAVE NO MONEY AT ALL. The issuing bank told me it wasn't able to be cashed and to get my employer to write a new one? I spoke to my boss, and he checked, stating the payroll amount for my check WAS ALREADY CASHED? So credit karma not only hasn't told me anything about the issue, but now they are holding my paycheck hostage and not telling me anything about when I can either get it into my account or have the check declined??? So, in essence this company has just robbed me and won't tell me anything to clear it up? That doesn't seem right. I just need the money I work hard for
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I requested a copy of my credit report from all three credit bureau and at first glance, I notice an account that wasn't mined. I did some deeper research found out that some individual had somehow got my info and used it to buy a dog at a pet shop, without on permission. I wrote disputes letters to all three of the credit bureau XXXX, XXXX, and Experian. they keep writing back account XXXX was verified, I even contacted the finance company that provided the finance to the pet company. they sent me a copy of the original contract, which was fraudulent, they also said the item should be deleted off my credit report. Sent all three bureau proof of the fraudulent contracted, but still, they would not remove the item off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a report from XXXX for the amount of {$710.00} as debt which is being double reported at XXXX XXXX  XXXX for {$710.00}. I have filed multiple disputes and they have not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter on XX/XX/2023, to EQUIFAX, XXXX, AND XXXX to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information with third-party people, much of this information was also mistaken, fraudulent, or perhaps even possible identity theft. These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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