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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or deletion due to inaccurate reporting in my file. 
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

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an outstanding medical bill for many months. I am still on my fathers insurance and he was meant to pay it. He meant to pay it but apparently never did. I was surprised to see it posted to my credit report this morning as it is under {$500.00} ( the bill is {$490.00} ) I know as of XX/XX/2023, credit reporting agencies can not add medical debt less than {$500.00} to credit reports. The creditor is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

Hello, I have a XXXX account for my daughter, that she used to use when she was XXXX XXXX XXXX XXXX. She has not used the account for the last five years as she does not work anymore. I am trying to close the account numerous time and bankers at the branch of XXXX, XXXX as well as, XXXX XXXX, XXXX XXXX  are refusing to close it with excuses that they are simply busy. I was at Chase, XXXX XXXX, XXXX XXXX on XXXX XX/XX/XXXX at XXXX and met with the banker who told me to come today on XXXX XX/XX/XXXX no later than XXXX. I came there at XXXX and was told to come the next day as he is booked. I clearly stated to them of XXXX that I just need to close the account, and I do work full time and I can only be there after work. They disregarded everything and made me leave. Please help, it is unfortunate that I have to complain in order to have my daughters XXXX account closed.
Product: Checking or savings account

I called fifth third bank on XX/XX/year> because my account was overdrafted by over XXXX dollars I told them they bank charged my credit twice for XXXX the XXXX XXXX thru the XX/XX/XXXX th the charges was repeated had got into a argument about my money with customer service I had her transfer me to disputes made a dispute but this is the XXXX time it happened in may of happened many more times I fell I need a attorney to sue them in go threw my account they may of did it 3 to 4 times in I missed a few times the charges totaled XXXX dollars in was suppose to be on my card in 8 days in is still not there.
Product: Credit reporting or other personal consumer reports

WRONGFUL ACCOUNT REPORT ON CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Mortgage

I had a mortgage with Lakeview Loan Servicing LLC that was transferred to XXXX XXXX XXXX XXXX  effective XX/XX/XXXX. In reviewing my payment history, I noticed there were two " Escrow to Borrower Refunds, '' one on XX/XX/XXXX and another on XX/XX/XXXX, for which I have no record of having received. The amount of these disbursements was {$1900.00} and {$1400.00} ( see Attached Payment History ). I am not disputing whether these escrow amounts were disbursed to me, rather, I don't have any check stubs nor bank records that indicated that I cashed or deposited the escrow disbursements. So, I requested information on how these escrow refunds were disbursed. Following is a chronology of my attempts to get that information : XX/XX/XXXX email to XXXX ( a.k.a. XXXX  ) inquiring how the subject escrow refunds as well as another escrow refund in the amount of {$110.00} were disbursed. 
XX/XX/XXXX email from XXXX ( Attachment A ) indicating that an escrow check in the amount of {$110.00} was sent on XX/XX/XXXX. The email did respond to the other escrow refunds. 
XX/XX/XXXX email to XXXX inquiring What about the rest of my question? What happened to the other escrow refunds? 
XX/XX/XXXX email from XXXX  ( Attachment B ) responding as follows : We have received your inquiry and are assigning it to the proper department representative. Please note duplicate inquiries may prolong your time for resolution. To help identify your inquiry we have generated a reference/ticket number. Your reference/ticket number is XXXX. Please use this number in any further communication relating to your recently submitted email request. Please allow 5 business days for a thorough review and research of your inquiry. 
XX/XX/XXXX email to XXXX requesting copies of cancelled escrow refund checks to document that it was refunded to me. 
XX/XX/XXXX email from XXXX  ( Attachment C ) responding as follows : We have received your recent inquiry in regards to your mortgage account. Your request has been forwarded to our escrow department for further review. Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. Please feel free to contact us if you have any additional questions. 
XX/XX/XXXX, after no further response from XXXX, I sent a letter ( Attachment D ) to Lakeview Loan Servicing Mortgage Resolution requesting copies of cancelled escrow refund checks to document the " escrow refund to burrower '' amounts ( i.e., {$1900.00} and {$1400.00} ). 
Thirty ( 30 ) days have passed and XXXX has not acknowledged my letter nor either provided the requested information, determined that the requested information is not available, or asked for additional information or requested additional time to investigate my request, Therefore, I am submitting this complaint in hopes that Consumer Financial Protection Bureau can help me to get the requested information from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bankruptcy XX/XX/XXXX I have no knowledge of this account and/or inquires. I have contact companies directly but NO ONE would help they said I needed to contact the 3 major credit bureaus but I keep getting the run around.
Product: Credit reporting or other personal consumer reports

I OPEN UP AN ACCOUNT WITH XXXXXXXX XXXX .iNOTICE SEVERAL ACCONTS THAT WERE OPENED UP WITHOUT MY KNOWLEDGE
Product: Checking or savings account

On XX/XX/2022 at US BANK branch location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I was subject to improperly manipulation in my debit card transactions in order to generate excess overdraft fee revenue. US BANK has been sued for this before in the past. I was rudely kicked out of the US Bank XXXX on XX/XX/2022 by bank XXXX XXXX XXXX ID # XXXX contact info direct line XXXX branch line XXXX fax XXXX E-mail XXXX. I was told by the XXXX and I quote " we close in XXXX minutes I don't have time for this you can leave. '' I was taken back after she said I was being rude for asking her to help figure this issue out. And she would not show me her screen and scroll past all the invalid charges not wanting answer my questions. She continued to humiliate me in front of staff and customers kicking me out not wanting to help due to them closing in XXXX minutes. I was mad and asked what I can do cancel the account and she canceled it with confirming it first and said goodbye its done. And when asked for proof I wasn't given any and was told I would get it to an old address I don't live at any more. I'm reaching out because I didn't receive my charges waived and they will now effect my credit and be sent to owe something that is truly mine. In the past a U.S. Bank 's settle a law XXXX XXXX the exact same reason that i had gone into the bank today. The lawsuits claim that U.S. Bank 's internal computer system re-sequenced the actual order of its customers ' debit card and ATM transactions, by posting them in highest-to-lowest dollar amount rather than in the actual order in which they were initiated by customers and authorized by the bank. According to the lawsuits, U.S. Bank 's practice resulted in its customers being charged substantially more in overdraft fees than if the debit card and ATM transactions had been posted in the order in which they were initiated and authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an active responsible member of money lion since XX/XX/2019. Since then I have paid off 4 successful personal loans one of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. 

Since then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. 

Not only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self esteem in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.
Product: Checking or savings account

I opened a saving account to compliment my existing credit card of over twelve years at Citibank. I funded the account by linking my XXXX savings account. The Citibank account was in my name only. I needed to add my wife so I called and requested a beneficiary form. Upon receiving the form in the mail I learned that I could not designate primary and contingent beneficiaries, which was unacceptable to me. I then called the bank and asked for forms to add my wife as a joint account holder. This called was hindered by background noise and a speech clarity problem on their end. We were both constantly having to repeat each other. Then he asked to speak to my wife and began asking all kinds of questions and it was difficult to understand him. Out of frustration, I politely ended the call and decided I would just close this savings account. From what I can tell that triggered a fraud alert that they refuse to release. They have locked me out of online access and the phone app access. I have called the fraud dept and was transferred to a man who said I had to wait for a reference number coming by email. He said it was already sent. Then he said mail. I asked if he meant US mail. He said no, email. I said I didn't receive it and it is not in my spam folder and asked for it to be resent. He said I had to wait for it. This went back and forth and he just kept stating I had to wait for it. I insisted if it was sent I should have received it. 

I have not received the email. I have identified myself by answering all security questions properly. No one from Citibank has contacted me by my longstanding email and phone numbers of record about this issue. I have begged that they simply transfer the funds back to my linked saving account at XXXX. They refuse to do anything and appear to be stalling. I have at least eight calls into the bank on this and no one will release my funds. This fraud lock is the result of a process that I initiated. SOMEONE there should be able unlock my account and transfer MY funds to me. All I want is the funds in the account transferred to my linked XXXX Savings and my account and relationship with Citibank terminated.
Product: Credit reporting or other personal consumer reports

XXXX is reporting incorrect late payments on my credit report for the Account named XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit report I don't recognize. 

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 card or prepaid card

My long running autopay series was cancelled which lead to a late fee ( presumably interest charges ) accruing on my account even though this autopay series has been running for years. 

My Unlimited Cash Rewards card had an autopay series that was set up when it was originally a Merrill product. In early XXXX of this year I did a product change to the new Unlimited Cash product and my autopay payment series continued to run in XXXX and XXXX successfully. On my due date ( XX/XX/XXXX ) no payment was applied, triggering the late fee etc. 
The only thing that I can imagine might be related is that I set up autopay for a separate account ( Customized Cash ) on or about XX/XX/XXXX but I don't understand how that would cancel my autopay on my Unlimited Cash ( formerly Merrill+ ) card. 

I talked with someone on chat who couldn't look up my autopay information. When I asked to be escalated to someone who could help they gave a phone number that dumped me into someone in banking who couldn't access my credit card account. When I asked for a warm handoff to a credit card agent they connected me somehow but then I got disconnected ( no call back ) from that agent partway through the discussion with them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. My cousin fraudulent open up a XXXX XXXX XXXX Account using my name and socials, along with a stolen driver license in my name. My credit report had a freeze and lock on it since XX/XX/XXXX. How was this account open with a credit freeze and lock I am lost. Since the incident my cousin has sent sworn statements and affidavits attesting the fact he was the responsible for this account.
Product: Debt collection

In accordance with the Fair Credit Reporting Act 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 : also states a consumer reporting agency can not furnish an account without my consent.
Product: Debt collection

On XX/XX/2023 I parked in a handicap spot and used my XXXX again and initially it said paid. When I got to the restaurant It said there was a problem, so it then said not paid.. I was taking care a person with a XXXX so I was unable to run back to my car.. I immediately used all resources listed in the app to contact but couldn't get any answer or resolution and immediately received a ticket. 

The app didn't work properly and did not provide a simple way to resolve. I feel a little scammed because the app initially said paid, then only later did it say it didn't work. 

'I don't feel that I should pay all these fines because the app didn't work properly and I tried my best to pay. 

I have attached my text conversation with their " customer service '' to show I tried. I didn't take a screen shot of the app saying it was paid because I didn't think this would become such an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX AND TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, XXXX AND TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Debt collection

The lease agreement terms was for the amount of {$1800.00} I paid {$680.00} at the signing of the lease and have paid a total of {$1200.00} in biweekly payments since XXXX totaling the entire amount paid to be {$1900.00}. More then amount leased I called to buy out of the lease agreement and they told me I'd have to pay another {$680.00} or continue to make payments until XX/XX/XXXX. None of this was explained to me at the time I purchased the stereo equipment. The store ( XXXX XXXX ) was contacted the same day that we purchased the equipment and they told us ( My sons father and myself ) that we needed to contact Tempoe in order to return the merchandise because it was leased through them. I then contacted Tempoe and they said that it had to be returned through XXXX XXXX. My sons father then took the receipt to the store where the manager kept the receipt saying that he'd get back to us on what needed to be done. None of this is equitable to me as a consumer and I was tricked into a lease agreement with none of the terms told to me everything was done on a computer so I was not able to read anything until it was printed off. I would like for this lease agreement to be handled as I've paid more than the amount that I've leased. This agreement is in violation of the Truth and Lending act I've paid more than 4 installment payments and have received no equity as a consumer. 
This is a Consumer Lease Agreement that has no signature from administering agent I was emailed the original lease agreement which does in fact have my signature but in order for it to be legal and binding it should have two one from myself and the administering agent. The company showed up on my credit report XXXX on XX/XX/XXXX this is my receipt of purchase, letting me know that this was in fact a consumer credit transaction. Pursuant to 15 USC 1605 a finance charge is the sum of all charges and is involved in every consumer credit transaction. No were in this agreement does it show me what the finance charge was which is deceptive because I was told my credit wasnt being used. This entire agreement is deceptive and misleading. I was not able to read anything at the time a signing my signature was provided in a small keypad with the computer screen turned facing the store clerk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX, XXXX, and XXXX Credit Reporting I am a consumer that filed a Chapter XXXX bankruptcy in XXXX, where I am paying my debts to a court trustee and have never missed a payment. The circumstances regarding the Chapter XXXX were due to XXXX  issues, prior to this my accounts were in good standing. 
To improve my credit score, I have disputed a few items including pass addresses that were not associated to me but remain on my credit report. I recently, joined SELF a company that helps to improve credit, and advertised as a savings program. 
It appears to my dismay, after completing the program ( no missed savings payments ), my score went down 11 points with XXXX, 20+ points with XXXX and 59 points with XXXX XXXX My credit history with XXXX has never shown any positivity or improvement no matter how many times I have disputed information with them. XXXX continues to hold my score in the 500s which is utterly ridiculous. 
I called XXXX to discuss the reduction in my credit score and was informed by a representative that the company doesnt discuss credit scores, although I am enrolled in their credit monitoring program at {$24.00} a month. I am afraid to stop the program because I fear my credit score will go down even further. As a consumer, I feel the Credit Bureaus are not accurately reporting any improvements and keeping my credit scores low even though a Chapter XXXX is more favorable ( debts are being paid and not reduced or excused by the court as a Chapter XXXX ). 
I expressly feel that SELF may be selling an idea of credit repair, credit boost, or credit improvement falsely to consumers. I never saw my credit scores improve with any of the credit bureaus as evident with my credit scores reported on XX/XX/XXXX. 
What recourse does a consumer have? I want to see a fair improvement with my credit scores for all bureaus. So fair that has not happened. 
XXXX offers XXXX XXXX, however if you disconnect your bank information the score falls back to the XXXX. I am seeking help with unfair credit reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to let the credit bureaus know that I was a victim of identity theft and that I want these bogus items that are the product of suspected identity theft removed from my credit report. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 

XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.