23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I have 3 late payments on Experian and XXXX reporting on XXXX. This is inaccurate and must be addressed. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it show these late payments? 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Checking or savings account

Claim number with capital XXXX XX/XX/2023 XXXX charge made with lil XXXX XXXX XXXX to reserve hold on a dog I reserved a hold on a dog on XX/XX/XXXX On XX/XX/XXXX, my spouse lost her job at a XXXX  and I contact her immediately letting her know I need refund to financial issues now and she refused and or stopped answering XXXX Name XXXX XXXX XXXX All I need is a refund she offered to send that money to a future payment but won't work cus I need money now due to financial problems as we lost am income in the house
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016, I called the customer service department of Wells Fargo Bank to schedule a mortgage payment for the month XXXX on my FHA loan. The representative noted my payment request and at the end of the conversation, I was given a payment confirmation number. Shortly after, I noticed that my payment was not debited from my bank account and I alerted Wells Fargo that a payment was made and the agent confirmed it but there was no record that the payment was ever made. Today, a late payment is showing on my XXXX report as 30 days late from XX/XX/2016, affecting my interest rates on any future purchases. I have tried on multiple occasions to have Wells Fargo correct this to no avail, despite phone calls and written attempts for help. Wells Fargo would make attempts to review my account while I was a loan customer but since I sold my home and no longer am a Wells Fargo client, this attempts have seem to diminish.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputes and supporting documentation to Transunion for almo st two ye ars trying to fix incorrect information on my credit. I 'm filing this complaint because Transunion has had plenty of time to address my concerns but they have ignored my disputes and dismissed them as frivolous. Transunion is reporting that my closed  XXXX   XXXX  auto loan from   XXXX   was past due and is now a paid repossession. This could n't be farther from the truth. I never missed a payment on my  XXXX   XXXX  loan and I paid this account in full years ago. Transunion needs to report that my auto loan has been paid in full and closed. It was never delinquent and there was never a repossession. The account number for the account is :  XXXX
Product: Credit card or prepaid card

On XXXX XXXX 2017, I call the XXXX XXXX customer service number to check my balance. The call revealed that there had been unauthorized transactions on my account. I pulled up my account online and saw that on XX/XX/XXXXXXXX there were 3 charges made to XXXX in Florida, I live in Utah and did n't lose my card. I called XXXX XXXX XXXX to report the theft and after 15 or so unsuccessful attempts, the call finally connected. I cancelled my current card and ordered a new one. I was then transferred to XXXX who could assist me in reversing the fraudulent charges. XXXX came on the line saying, " you need a XXXX! '' I responded that there had been fraudulent charges on my account and I needed to be refunded the money that was stolen. She proceeded to tell me that they would mail me paperwork, which I was to fill out and return, then it would take 90 business days for them to investigate the theft. I tried to ask questions, but was not allowed to speak, as she just kept talking over me. She then transferred me to a recorded message and then the call ended. I called back and after another number of disconnected calls reached XXXX, who told me that I could qualify for to have the funds returned to my account within 10 days, but she would have to transfer me to someone else to complete that process. She transferred me to XXXX who denied any knowledge of being able to return the funds to my account within 10 days and repeated the lines about it taking 90 business days. I asked if there were forms online or if they could email me forms to expedite the process, she responded, " No. '' She said I could mail a letter to them alerting them of the theft. I asked her to go over each line of the form they would send out to me, so that I could write a letter that covered every detail of what they wanted. She refused. This money is used for us to live, it is survivor benefits and I am a widow doing my best to support my children who have already lost so much. Now they have lost any hope of having any XXXX gifts or XXXX dinner or anything good this month. Please help us get this money returned as soon as possible Thank you for your time
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. 

Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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

In accordance with the tair credit Reporting act XXXX Account ending # 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 account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  recieved ( see attatched XXXX shipping tracking label of proof of delivery. see also CRIMINAL INVESTIGATION LETTER of XX/XX/XXXX deliveries not made included in package. see also attatched ID THEFT REPORT case XXXX included in packet USAA & XXXX. see also included in packet attatched USAA FRAUD CLAIM LETTER dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX Notice of UNAUTHORIZED TRANSACTIONS NEVER RESOLVED. 
Why doesn't XXXX  report the ACCURATE INFORMATION ON USAA OR XXXX? MY CREDIT IS DESTROYED FROM ID THEFT. Also why has XXXX  refused to address having no data on me? I filed XXXX  Breach XXXX  did Not annouce breach for 2 years. Why? I understand BREACH began XXXX XXXX  notified XXXX. Why?
Product: Debt collection

EXETER FINANCE, is reporting three different total amounts owed, which is inconsistent and damaging to my credit profile. This discrepancy is negatively affecting my livelihood and ability to secure financial opportunities.They reported to XXXX that the total balance owed is {$33000.00}. Exeter Finance reported to XXXX and XXXX that the total owed is {$33000.00}. Exeter Finance reported to XXXX that there are 3 late payments. Exeter finance reported to XXXX that there are 5 late payments. Exeter Finance reported that there are 4 late payments to XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report ( 15 U.S.C. 1681e ( b ) ). This error violates my rights under this law. Additionally, creditors must provide accurate updates to credit bureaus under 15 U.S.C. 1681s-2 ( a ) .This error has caused undue hardship by lowering my credit score and impeding my ability to access necessary resources.
Product: Credit reporting or other personal consumer reports

I was a victim of credit card fraud. My XXXX XXXX card was compromised beginning in XXXX of 2023. After many conversations with XXXX fraud department I was assured that my complaint was being investigated and would receive documentation confirming so. In the meantime I continued receiving alerts of charges that were not made by myself and were not authorized by me. After repeatedly notifying XXXX there action was to close the account and reissue a new card, and send that new card to an address that I was not associated with. Fraudulent charges continued to be made on my behalf, using my identity. Now after many, many months and many misunderstandings ( constantly speaking with XXXX representatives who lacked comprehension of my statements/complaints ), the case itself has been resolved in my favor. The problem is I have not received documentation stating this! And I have since found out that XXXX was continuing to send correspondence to the fraudulent perpetrators address. 
In addition to the theft of my identity ( SS # ), my credit rating still suffers because XXXX is not properly notifying the Credit Agencies of the resolution, etc.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

While I appreciate the settlement and the compensation for my unauthorized transaction, I hope Cash App continues to improve its security and customer support processes to prevent similar issues in the future. The lengthy response time I experienced was frustrating, and I believe better communication from the company is essential for user trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT'S BEEN MORE THAN 30 DAYS AND XXXX, EQUIFAX, AND XXXX ARE NEGLECTING MY DISPUTES. I HAVE WAY TOO MANY INACCURACIES ON MY CREDIT REPORT AND MY CREDIT REPORT SHOULD BE 100 % ACCURATE. EACH CREDIT BUREAU VERIFIED ACCOUNTS WITHOUT TELLING ME THEIR METHOD OF VERIFICATION AND HOW THE ACCOUNTS WERE NOTED AS BEING ACCURATE. THEY ARE NOT ACCURATE BECAUSE THEY DON'T EVEN BELONG TO ME. THESE ACCOUNTS ARE UNAUTHORIZED AND I DID NOT BENEFIT FROM ANY ONE OF THESE INACCURATE ACCOUNTS. NO ONE HAD FIRST HAND KNOWLEDGE OF THE ALLEGED ACCOUNTS THAT DON'T BELONG TO ME. THIS INACCURATE CREDIT REPORT IS UNFAIR AND HURTING MY REPUTATION WITH THE BANKS AND THIS IS HURTING MY CHANCES AT GETTING A MORTGAGE.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX Subject : Unauthorized Credit Reporting Without Consent Dear Sir/Madam, I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
**Details of Disputed Entries : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information.
Product: Debt collection

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) and pursuant to 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 card or prepaid card

I sent my legal tender of payment to Chase. They accept the legal tender of payment since they haven't sent it back ( UCC4-302 ). They blocked me from using the cards, a natural person from using he's credit. Committing identity fraud as they claim they are the original creditors ( 15 USC 1602E,15 USC 1602G,15 USC 1602J,15 USC 1602I ) . But on the loan agreement ( promissory note ) there's only one signature in the documents. Statues related to US Code states that creditors are in fact a natural Person. With my signature being on the promissory note ; and the only signature on it. Chase is violating multiple US Code Statues and not only are they assuming themself as me in giving out credit and giving out falsely negative information to the three credit bureaus : XXXX, XXXX and XXXX. ( 15 USC 1681 B-2 ) ( 15 USC 1611 ) Not only are they committing fraud but hindering, my livelihood and reputation by reporting defamatory information and limiting the open-end credit ( 15USC 1602J ). This has cause me and my domestic partner distress and is affecting our plans of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

One of Evergreen Services representatives, XXXX I believe was her name, contacted my daughter by phone call on XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX, and identified the debt collector as Evergreen Services. The phone number used to contact my daughter was XXXX ( XXXX ) XXXX. I understand that these calls are meant to intimidate and harass me. 

I have already revoked Evergreen Services authorization to contact third parties on XX/XX/2022. Yet they continue to harass me and my family.
Product: Student loan

I went through Navient student loans in XXXX. I went through a couple of forbearances because I was young and thought that was my only option. After a while, I had to start paying it back so Ive been on a payment plan for the last several years. I was paying {$50.00} a month. I am now paying {$30.00} a month as that is what the plan stated I must pay every month and they will allocate the payments to the correct loan. Therefore, they would never be in negative standing. Somehow, I have several of the loans through Navient on my credit report as unpaid and defaulted. I have contacted them several times trying to solve the issue and nobody can give me any answers. Tried to do the right thing and repay my loans, but I feel like Im getting absolutely nowhere every time I talk to someone through Navient its a different story. This time around I was eligible for XXXX dollar monthly payments but I chose to continue to pay {$30.00} a month In hopes to eventually get the loan paid off. Again, they allocated my payments incorrectly, and I now have more loans in default on my credit report, which is hurting me and trying to buy a home right now. They have transferred it to another place and I have to start all over again. Ive been dealing with this since I graduated college in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have an account that was opened in 2010 and, I have paid the account off with the creditors. That XXXX sold my account to and EQUIFAX will not remove the item off of my credit report with that being said its been 9 years truth to be told its suppose to be removed after 7 years I paid the account out. So I need EQUIFAX to treat me with accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Wells Fargo Credit Card inaccurately reported a 30 day late payment to my XXXX, XXXX, and XXXX credit reports. 

I filed cases with Wells Fargo Credit card claims department, Wells Fargo Credit Card Advocacy, and Wells Fargo credit reporting department from XX/XX/XXXX until XX/XX/XXXX with no resolve. 

Case Numbers : XXXX XXXX In accordance with the Fair Credit Reporting Act, Wells Fargo Account 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 an account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Checking or savings account

I opened a online bank account citi bank in XXXX 2021 transfered XXXX from XXXX XXXX my bank on XXXX XXXX XXXX before my transfer was approved the new account fruad departmemt locked the account on XXXX XXXXXXXX i call citi my transfer was still pending i try to cancel the frasfer with XXXX XXXX but they told me citi needed to cancel so i called citi told them to cancel the transfer but because the account was locked they would not cancel now i call citi and they are asking me for a cell phone Number that will regester to me through public records I don't even have a cell phone nothing registered to me in public records therefore they will not unlock my account close my account let me get my money or anything even though I transfer that money into the account from another bank XXXX XXXX that is also in my name i have my social security number ATM XXXX card my pin number my driver 's licence must birth certificate and they still will not release my account and keeping my money because they will let me have my money there telling me that there's nothing more they can do to help me at this point i need to calk back whem i get a cell numbee that will verifie me in public recoreds im not gon na get a celk phone any time soon please can you help me get my money out they i would like to take close the account get my money back it is my goverment funds i live on very littel momey this was my stimulas payment this has been going on for XXXX months now im visoting my family in XXXX i wemt to a XXXX and they tties to find my account amd i was told the account does not exsit there is no account so where is .my momey
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my information to apply for EVERYTHING you can think of I need EVERYTHING removed immediately I have already disputed with XXXX, now I need XXXX to do what they need to do this is becoming a headache
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 of the person knows or has reas onable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2018 I went to the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX to withdraw {$40.00} from the ATM machine. When I perform the transaction no money came out of the ATM machine. When perform the transaction again {$40.00} came out of the ATM machine. A few days later I checked my account at USAA Federal Savings Bank and found out that the transaction was duplicated. I called USAA Federal Savings Bank and told them what had happened and they started an investigation. A few days later I received an email from my bank stating that no error had occurred. Again I only received {$40.00} from the XXXX XXXX XXXX ATM machine.