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

Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies Dear Affirm, I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly, specifically payments paid on XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I am requesting that you report all current payments to all XXXX credit bureaus immediately. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

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

This is a consumer by law, my name is XXXX XXXX. In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX 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 a account without my written instructions
Product: Debt collection

COLLECTOR AND WENT ON MY CREDIT IGNORED CEASE AND DESIST AND DO N'T CALL ORDERS, THEY FAILED TO VALIDATE SAID DEBT AND CALLED MY MOTHER. 
THE ORIGINAL CREDITOR GOT PAID LAST WEEK BY CAPTURING MY FEDRAL TAX REFUND AND TOOK XXXX AND {$460.00} FOR 2012
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX Nissan offered to extend my contract and move my payments for XX/XX/XXXX and XX/XX/XXXX to the end of my contract. I agreed to the arrangement and made a payment of over {$1100.00}. Instead of marking my account as " paid as agreed '' for the month of XX/XX/XXXX as originally stipulated, Nissan has erroneously marked my payment for XX/XX/XXXX as late. This is negatively impacting my credit score and I need it fixed immediately. Additionally, Nissan has failed to report my last two payments in XX/XX/XXXX and XX/XX/XXXX which is also negatively impacting my credit score. Finally, Nissan is not reporting this account to XXXX which is also negatively affecting my credit score.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I opened a square Account for my business to process payment but all of a sudden they do not allow me to withdraw my {$50.00} of sales which I made. 

I would like the government to reach out to square on my behalf to allow them to withdraw my funds or to let them tell me when I'll get access to money The email address associated with my square account is XXXX XXXX
Product: Debt collection

We have told them repeatedly that we will be going through bankruptcy. ( Will be filing next week ) please come and get the vehicle. Since then somebody named XXXX has called my wife and I daily wanting the attorneys name. We are self representing with the help of an independant paralegal. Even after being informed she continues to call us daily. I told her repeatedly just come get the vehicle. She sltill persists.
Product: Credit reporting or other personal consumer reports

I pulled my credit reports and seen some fraudulent hard inquires on them and I need them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, we ordered a wire transfer from Citibank to XXXX. All data was provided, all verifications submitted, adequate balance etc.. The online banking site said " successfully transferred. '' It was not, never received by XXXX. It bounced back. After many calls and inquiries, we submitted again. It happened again. I visited a branch of the bank, they were on the phone with wire transfer, assured me that all was well. I tried a third time. It is now four days since the original request and it has not yet been processed. We have repeatedly called the bank 's wire transfer department ( a call center somewhere ), to be told it was being " investigated. '' Citibank has had our money for four days and we have not had use of our own funds.
Product: Credit card or prepaid card

I submitted my first complaint XXXX on XX/XX/2021 because I was wrongfully denied for the Apple Card by Goldman Sachs due to a reason given that I had recently experienced a charge off. I spoken with XXXX and they verified that there was no recently experienced charge off. I submitted a second complaint XXXX on XX/XX/2021 about a similar problem with applying because I was still being given the same reason of denial which the last date of denial was XX/XX/2021. I was given a response to my complaint on XX/XX/2021 that the bank only allows a certain amount of applications within 30 days. I was told by the Apple Card Specialist Manager that I had to wait 30 days from the date of my last application to reapply via a phone conversation. Now it is XX/XX/2021 ( after 30 days ) and I am still not able to apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) My husband was in the military and very ill and passed away from health complications. I was not aware that the first mortgage was in any kind of jeopardy. I took out a second mortgage and never missed one payment. XXXX foreclosed on this account and then sold the account to XXXX. I was never contacted regarding any collection on this account and consequently I was not able to resolve the collection issue. Because I was never late on the payments, there should not be any lates being reporting. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX who has responded, however XXXX, Equifax and XXXX still reports fraudulent inquiries from a XXXX account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT IS A PAID AND CLOSED ACCOUNT THAT WAS NOT SUPPOSE TO REFLECT ON MY CREDIT. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED TREMENDOUS DAMAGE TO MY FILE. THE ACCOUNT APPEARED ON MY CREDIT WITHOUT MY AUTHORIZATION AND I WOULD LIKE TO HAVE THIS ACCOUNT REMOVED OFF MY CREDIT.
Product: Checking or savings account

I misplaced my wallet a week ago, along with my debit card, social security number, and other personal items.This has happened to me twice, and someone has deposited a cheque there. As soon as I noticed a deposit, I contacted the bank to let them know. After a few days, the bank contacted me that my account was restricted and would soon be closed. I tried to tell them that wasn't the case, but they continued to say they would close. Now that I receive weekly payments from my job and use my bank to pay for schooling, I'm not sure what to do. I simply want to know what can be done to fix this
Product: Bank account or service

The bank charged a fee for me to check my balance on another bank 's ATM. This is ridiculous and I have never seen this fee for doing this before.
Product: Debt collection

Barclay 's bank has on a continuous basis called me when I have requested them to send statements and they have not. They call before XXXX and when I make a payment over the phone, it does not get recorded and they call again the next day. I have on several occasions told them not to call me after XXXX which they continued to do. Also I am never late on payments but they don't record automated payments timely and then mark me late on my credit report. For example I called Barclatys on XX/XX/2018 to pay off my account and gave them full information on the automated line and got confirmation. Looked at my credit report today XX/XX/XXXX and they marked me late again so I called and made a full payment of {$1600.00} again and my confirmation number is XXXX. This has happened over and over again with Barclays and they continue to charge late fees, report me late on my credit but in fact there automated system has a flaw. I need my credit report updated to no late payments as I have continuously made payments and now my account is paid off..never want to deal with them again. This is absolutely ridiculous.
Product: Credit reporting or other personal consumer reports

In my credit report, several errors and potentially unverified items came to my attention, prompting me to take action to ensure compliance with federal law, particularly the Fair Credit Reporting Act ( FCRA ). Here 's what happened : I found inaccuracies in my personal information, including my name, employers, addresses, and date of birth, which are incorrectly reported. Additionally, accounts such as XXXX XXXX, XXXX, and XXXX are listed but require factual verification. There are also collections from entities like XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, and XXXX XXXX, which may not be valid. Furthermore, an unauthorized inquiry from XXXX XXXX XXXX  on XX/XX/year>, is present on my report. 

I formally contested these inaccuracies and unverified entries under 15 U.S.C. 1681i, which mandates that credit reporting agencies must investigate disputed information within 30 days. I requested they provide verifiable evidence of the legitimacy and accuracy of the disputed items, as required by law and Metro 2 data field reporting standards. If they can not verify the data with physical proof, they are legally obligated to correct or remove it from my credit report. 

These inaccuracies and unverified claims undermine the integrity of my credit report and infringe on my rights as a consumer. I am now waiting for the reporting agency to resolve these disputes promptly and provide me with an updated and corrected credit report.
Product: Credit card

I made a purchase on my JP Morgan Chase Freedom Flex on XX/XX/year> for {$360.00}. I made the transaction through XXXX for a United Airlines ticket. The Freedom Flex card has 5 % rotating bonus categories by quarter, and in XXXX ( XXXX ) XXXX is a bonus category ( extra 4 % in addition to base 1 % ). Chase has it coded in their system as a purchase made directly with United and has thus far refused to award me the 4 % extra points for this transaction. 

I've called Chase at least 5 times over the past month to try and figure out an amicable solution. They had told me to reach out to XXXX and have them recode the transaction. I called XXXX and they said since the transaction closed, Chase would have to recode on their end. I spoke with Chase again and they declined to help me recode the purchase and award me the bonus points for this transaction, encouraging me to reach out to XXXX again otherwise they can not make me whole. 

Looking online, it seems like a few other consumers who have used XXXX on a Chase transaction have also not received their bonus points as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is an old account started in XX/XX/XXXXbut closed in XX/XX/XXXXbalance {$5300.00}. This account is more than 9 years old from Home Depot. At this time the 3 credit bureaus are showing that this account is active as of XX/XX/XXXXwith XXXX XXXX on my XXXX  credit report. In actuality, on the other credit reports there is proof that this the amount of this debt was lowered and closed as of XX/XX/XXXXby Home Depot. Home Depot stop credit reporting this account as of XX/XX/XXXXand passed it to XXXX XXXX. I have not heard from XXXX XXXX or Home Depot please remove this debt from all bureaus and add the points FICO points back to my credit score accordingly.
Product: Credit reporting or other personal consumer reports

Hello Experian, I am writing this letter to you so you can carefully read my concerns on me being an victim of identity theft. I've recently purchased a report and noticed the fraudulent accounts listed in my name. I am very concern about these accounts and on how my information was so easy to access to get that many credit cards in my name. Ar this time I am asking that you review the letters below and be sure to reach out to me in 30 days XXXX.
Product: Credit reporting

Since at least XX/XX/XXXX Multiple requests to Equifax to properly report the status of my account with XXXX XXXX XXXX have come back as investigated and confirmed when just looking at the reporting it is obvious that it cant be correct. Multiple phone calls escalated to supervisors who agree that its clearly wrong have had no impact Equifax Reports : XXXX XXXX : XXXX late XXXX XXXX XXXX XXXX XXXX Repossession XXXX XXXX They also report that this will be deleted XXXX XXXX The first delinquency is actually XXXX XXXX and by law this should drop off my credit report XXXX of XXXX. 
Numerous attempts to contact or dispute this with XXXX have failed and Equifax refuses to contact XXXX in any other fashion than XXXX which always come back the same. 
Multiple Equifax supervisors have agreed the reporting is incorrect but the reporting never changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XXXX Creditor Name : EQUIFAX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : EQUIFAX MORTGAGE SERVI Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX XXXX Balance : {$130.00}, XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting

Your report number XXXX : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account XXXX .... 


Address Identification Number : XXXXStatus : Collection account. {$770.00} past due as of XX/XX/XXXX 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX 
This item was updated from our processing of your dispute in XX/XX/XXXX 


Date XXXX of XXXX XXXX Reported XXXX : Cell XXXX MonthsMonthly Payment : $ XXXX : IndividualCredit Limit : $ XXXX Balance : $ XXXX Balance : $ XXXX Payment : {$0.00}
Product: Debt collection

My husbands company, Mr. XXXX XXXX was sold to another individual and Mr. XXXX XXXX was closed in XX/XX/XXXX. They had a debit card through XXXX Banking that was also closed at the time of the sale. Between the close of the account and the next billing cycle, a charge of {$24.00} was processed thru the account. We no longer received statements on the closed account, so we had no knowledge of the outstanding charge - which we never disputed. Had we known, we would have paid the balance promptly. In XX/XX/XXXX we received a Memo Statement from our bank indicating an unpaid balance of {$310.00} with a statement on the Memo Statement stating for information only - do not remit payment.. We visited our local banker and at this time were informed that they can not resolve the matter and that the debt had been assigned to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX. To date we have never received any written notice that the initial amount and resulting late fees and interest are due from XXXX. We only continue to receive the Memo Statements from our bank. 

We have contacted XXXX ( XXXX ) to resolve this matter but are only allowed to speak with persons who will except full payment, but not consider this matter to an agreeable conclusion. If we owe the {$24.00} - that is not an issue. What we do not feel is fair is to charge us the late and interest fees for the past two years without ever receiving a method in which to resolve the matter. 

The last conversation in had with XXXX on XXXX XXXX they told me to write this matter to the attention of XXXX. I did so that day and have not received any response. Today, I received another Memo Statement from XXXX showing the current balance as remaining at XXXX
Product: Checking or savings account

XX/XX/XXXX I withdrew {$2000.00} from my MARCUS personal online savings account to fund a personal savings account at XXXX ending in XXXX. This fund was a gift to my niece. 

XX/XX/XXXX MARCUS informed me that I broke MARCUS bank rules by giving the money away to another person and I was to return the money.

I told MARCUS I would be happy to return the money but that it would come from a different XXXX account. 
MARCUS refused to accept the funds and froze all of my MARCUS accounts and locked my online access.
Product: Money transfer, virtual currency, or money service

I was scammed by a pet scammer of {$900.00} 2 weeks ago via zelle. the website that i had found them on was XXXX XXXX XXXX. the information on the website seemed legitimate and they claimed to be a family etc. They even offered for me to pick up the puppy in person. even though im usually very skeptical, i started to feel a bit more at ease because they gave me the option to see the puppy first. 

To keep a long story short, the scammer contacted me via email and text -- we conversed for a while regarding the puppy over text until i came to the decision that i would go through with the purchase. the scammer suggested XXXX XXXX  or zelle for payment method. Initially, he said that I would only have to pay half and the rest once I receive the pupppy. I already had XXXX XXXX  and wanted to move forward with that and the person tried to push zelle because it was " faster ''. I proceeded to process through XXXX XXXX  saying that i didnt want to set up zelle if i already had one of the payment options set up. The payment was pending because it was coming out of my bank and the person notified me that he was unable to send the medical documents of the dog or " transfer of ownership '' until he received the first payment. the dog was a gift for my my mom because of recent XXXX that she has been going through due to the death of her 2 best friends. 

i ended up using zelle from my bank. of course, i trusted the person to keep to his word of refunding the XXXX payment if the zelle went through, but in the end, he did not refund either payment. i contacted my bank and they were able to refund me my XXXX XXXX  payment, however was unable to do so for zelle. at this point in time, i have contacted zelle via telephone 6 times and emailed them 4 times, submitted a scam claim through them as well as on a federal website. 

zelle confirmation number : XXXX, ID # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

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

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

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$440.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXXXXXX XXXX || DATE OF INQUIRY : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXXXXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$39000.00} XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$3800.00}