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

So I've been trying to refinance my mortgage and recently got in touch with XXXX XXXX and XXXX and authorized them to run hard credit checks. What happened as result of this, a plethora of calls started flowing in from other lenders. 

One of the lenders who called in, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), had my SSN details. I was very surprised with this and they advised they had these details from Experian. I wasn't comfortable with and they told me about couple of loan options and I asked them to send me a loan estimate - however, without my prior consent, given they had all my details from this credit file- they ran a hard credit inquiry! Not just that, XXXX XXXX XXXX XXXX XXXX even did not send me proper loan estimate docs- they kept sharing screenshots masking the lender name, etc. > did not disclose their NMLS ID and did not read out the mandatory consent for hard credit checks. Just coz they had access to my SSN, they just ran the hard credit checks and this is so annoying! 

When I contacted Experian to have this inquiry removed, they simply refused, stating that's something beyond their control. I was able to file disputes with XXXX and XXXX and they will investigate this further and have these inquiries removed. Experian on one hand, makes all the personal details explicitly available to other lenders and for any unauthorized credit inquiry, won't allow me to file a dispute. Who authorized Experian to share my personal details with all the lenders out there? 

So the dispute is against XXXX XXXX for running the hard credit checks without my prior authorization and also against Experian for making all my details readily available to lenders like XXXX who can use this information at any point of time. 

This is just unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online on a debt with XXXX XXXX Hospital that has been settled. This was confirmed by a representative of Experian when I asked him to look at my old file. He said that the old debt collector has instructed Experian to delete the negative report on the supposed debt. I asked Experian why it would accept a file from a new collection agency, XXXX, on an old debt that Experian acknowledged has been settled. The rep said that it has no control on who files what on credit reports. 

On the online dispute I filed with Experian, I just received notice stating that the debt is confirmed by the creditor, but the creditor it listed is the collection agency, not the original creditor. I do not think Experian did any investigation other than asking the collection agency, XXXX, to respond to the dispute I filed with Experian. The provided contact number and address of the original creditor turned out to be those of the debt collector, XXXX XXXX. 

Experian is being irresponsible in just accepting the report of the collection agency even though its own representative, informed that this is an old issue that has been settled, still went ahead and reported that this debt has been confirmed as valid based on the say so of the collection agency. 

I think the collection agency is being clever by half in changing the amount owed from the original amount of {$1500.00} it filed to now {$1500.00}. I suspect this is to throw off Experian to think that this is a new debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) : XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number 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.
Product: Credit card

XX/XX/XXXX Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Regarding ; Capital One credit card # XXXX Subject ; Dispute XXXX XXXX XXXX  XXXXXXXX XXXX  charge for {$650.00} 3rd Dispute response!!! 

Regarding todays telephone conversation and your XXXX XXXX  XXXXXXXX XXXX email Re : XXXX To finish processing your recent request, we need some supporting documents : Second Opinion Any additional information related to your dispute XXXX XXXX XXXX XXXX XXXX o Second Opinion from WHO??? I have already sent you 2 responses with supporting documents that proves I booked a hotel reservation direct through the XXXX XXXX XXXX ( XXXX ) web site, not XXXX as the night clerk and morning XXXX claim. I have never received any documents from XXXX! 
o And who/what is getaroom? I have never dealt with them or ever receiced any documents from them! 
o THIS IS ALL A SCAM!!! 
Any additional information related to your dispute o What additional information do you need? I only stayed XXXX night because, as already stated, the night clerk was totally rude, chastising me for booking through a 3rd party, WHICH I DID NOT! I attached the XXXX receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Rate per room Room XXXX : XXXX XXXX XXXX, ( XXXX XXXX - XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX {$140.00} o As already stated, the night clerk and the XXXX would not provide me with a receipt because they said I had to get it from XXXX ; but since I did NOT book it through XXXX, I can not get a receipt! 
o The next night I booked rooms at the nearby XXXX XXXX and I have the receipt from them for the rest of the week just to prove I did not stay at the XXXX after the XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX  ) per Capital One XXXX, XXXX Statement. 
Receipt from XXXX XXXX attached dated XX/XX/XXXX for a room XX/XX/XXXX to XXXX. 

And as I already stated, I absolutely refuse to pay for anything over than the XXXX and only night I stayed at the XXXX XXXX XXXX XXXX  on XX/XX/XXXX. If you do not issue me a credit for the other bogus charges you may as well cancel the credit card and I will meet you in court!!! You have lost a great customer with a XXXX XXXX XXXX and a spotless record of paying on time!!!!!!!!!!!!!!!! 

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

I'm sorry for writing this against Experian. I would like a refund for 3 months of use. I will have Bank Statements stating that they took funds by Automatic Payments. The reason for a refund for their false advertisement of them taking my information off the internet. I also took a screenshot of the XXXX XXXX and what they do for {$24.00}.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled 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 XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$0.00} CCB/TOYOTA XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$5800.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account was originally with the department of education. It was moved to Mohela when the pandemic hit. It was then transferred back to the department of education. I paid the balance in full to department of education. The department of education sent me a letter stating that my account is closed and paid. They reported that information to the credit bureaus. Mohela turned around and reported that it was open. I called them and asked them to report it to all credit bureaus as closed. They said they did and that was a lie. Please help me to get them to report that my account is paid in full and ask them to notify the credit bureaus. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights. 

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

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. 

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.
Product: Checking or savings account

I opened a checking account with Citi Bank around XX/XX/2024 and followed the steps of depositing XXXX XXXX transfers of {$1500.00} or more in order to receive the sign-on bonus of {$300.00}. I called multiple times to check that I had satisfied the requirements and they told me I had and that I needed to wait. I waited and called again. They told me that they are opening an investigation on their end. 

I found out about the promotion on XXXX : ( this video contains screenshots of the page I visited since I do not have any screenshots myself ) https : XXXX? XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  previously had a XXXX XXXX mortgage that never existed on my credit report, had lates that were fixed and never existed, and now is reporting 120-day lates that never occurred as mortgages were in forbearance and then transferred to loan modifications. The recorded correspondences ( numerous ), paperwork doing loan modifications, and email correspondence show in every aspect that there were no late payments and loans are current. I have a XXXX wife from XXXX XXXX XXXX I have to support, and a XXXX child and these sloppy errors massively affect my business and ability to move forward as a result of COVID as credit scores make or destroy reputation and business alliances. 

This needs to be resolved immediately as this unprofessional sloppiness and the months it took for XXXX XXXX to fix the previous XXXX XXXX  mortgage balance that never existed, and previous false lates created lots of damage. These 2 false 120 day lates on 2 mortgages that were approved for loan modifications and more, cased considerable damage. Should these false late payments not be resolved immediately I will more aggressively make it my mission to do massive social media and online campaign to bring forth thousands of other XXXX XXXX  customers for a class action lawsuit and complaints to banking commissioner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts * XXXX. XXXX XXXX  XXXX date opened XX/XX/XXXX this account is being reported inaccurately, please remove this from my credit report immediately * * XXXX. XXXX # XXXX date opened XX/XX/XXXX, this account is being reported inaccurately, please remove this from my credit report immediately * XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, 2017 XXXX XXXX XXXX with held the fund {$2200.00} in my bank account due to a Notice of Levy Under Writ of Execution in the amount of {$30000.00}. I did n't know where this debt came from. I received a judgement letter notifying me of the bank levy on my account after the withdrawal had already taken place. I was short on all of my rent and bills. I
contacted the Winn Law Group that filed the judgement and asked to provide me more information on the debt amount, but I was given the run around with no resolves. I did sent them a follow up letter regarding clarifying the debt and collection.
In addition, I contacted the Sheriffs department that executed the bank levied but they ca n't help me or release the funds. 
I check my credit report on with 3 major credit reporting agencies and found no debt or collection account in the judgement letter.
This collection is a misrepresentation on the part of the Winn Law Group and falsifying the judgement with the local court. 
I 'm a XXXX XXXX and low income with my wife and XXXX children. I need the CFPB to help me investigate the law firm and get my funds release with XXXX XXXX XXXX. So I can pay rents and living expenses. 

Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I recently submitted an application for a personal line of my credit to be provided to my through the Financial Institution ( Upgrade ) XXXX XXXX. Once I signed and submitted my application I can not be denied my own credit as a consumer the financial institution ( Upgrade ) XXXX XXXX  received my registered Security and should release the securities to me upon signing the application/Deed Of Trust/Promissory Note . The denial of providing me my line of credit is unlawful and goes against the consumer law and Many UCC codes. It is to my overstanding that once Upgrade provided my a contractual offer, once I the consumer signed and submitted the offer the Deed Of Trust/Application/ Promissory Note it is now worth the full value amount stated on the Financial Statement Promissory/ Application/Deed of Trust and I am to be directly compensated with the Line Of credit AND NOT DENIED. I GAVE UPGRADE/ XXXX XXXX  A SECURITY AND insist they release my securities for I am not a silent investor and as the Authorized Agent for XXXX XXXX XXXX I have gave proof of claim that I am the Authorized Entitlement Holder of this Financial statement/asset and demand my line of credit for my duty to fulfill my obligations bestowed upon me upon signing and submission of this Contracual Offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Attached please find Response letter from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX 

We have been advised that XXXX XXXX transferred servicing of account # XXXX to XXXX XXXX XXXX who sent the attached IRS Form 1099A. 

It appears that per the attached XXXX Loan Schedule that there is no account # XXXX on the schedule for property : XXXX XXXX XXXX XXXX, FL XXXX We are requesting your assistance with obtaining a corrected IRS Form 1099 that would accurately reflect the account #, lender and amount. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was attempting to send funds to what I was told was a business account for the purchase of a bicycle. Venmo has added a purchase of goods option for protection which I selected. Immediately upon sending the payment I received a notification that stated the payment could not be sent and subsequently received an email from Venmo that my account had been frozen. There is no specific information in the email or in my follow up conversations with Venmo to identify what specifically causes my account to be frozen. I hold a fairly significant balance in the Venmo accounts as I do use them to buy and sell some bike parts and bicycles. The email asked me to upload a copy of my drivers license which I have and I was told it would be resolved in 4 to 5 business days. It is now XX/XX/XXXX and my account remains frozen. Upon my contacts through the virtual contact system I was advised that additional information was being reviewed and additional 4 to 5 days would be required. No funds were transacted yet Venmo has frozen close to {$30000.00}. Ive done nothing wrong, used the correct protection feature when attempting to pay for these goods, uploaded the required documents, yet my account remains frozen with no explanation. I want my money and I want to forever close my Venmo accounts.
Product: Checking or savings account

My uncle, who was a XXXX account holder in Iowa, passed away on XX/XX/XXXX. I was the XXXX and XXXX of his will and estate. After weeks of calls I was finally able to upload all the documents requested and on XX/XX/XXXX was told that all documents had been uploaded in order to close the account. I was instructed to schedule a branch meeting to close the account. 

I live in Tennessee and the closest branch is in Georgia so it requires a lot of time to go to a branch. I scheduled a meeting at XXXX on XX/XX/XXXX to close the account. 

There I learned that I did not have all the documents that XXXX required and that XXXX of the forms ( Letters of Appointment ) needed to be a " true copy '' designation and they would not close the account without it despite me being told previously that all documents were in order. 

So I had to go back to Tennessee and request additional court documents from lawyers in Iowa ( documents I would have been pleased to obtain had I know ). I was able to get the " true copy '' and rescheduled the meeting to XX/XX/XXXX. 

During my XX/XX/XXXX meeting I presented the requested True Copy of the document but then learned that XXXX objected to my name on the Letters of Appointment not being a perfect match to my drivers license and passport and that I would need new letters of appointment that perfectly match my drivers license and passport. However in the XX/XX/XXXX meeting, I was instructed to get a True Copy of the document that I had offered but no mention was made that I needed to alter the name. 

Funds are sitting in a non interest bearing account and XXXX other more sizable non XXXX accounts have been closed months ago with the documents that XXXX has objected to and requested modification to twice. I have no idea what will be objected to next and it just feels like XXXX is making it impossible to close this non interest bearing account that is preventing me from managing and closing this estate. 

I have all the XXXX case numbers that have been assigned to this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.