23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have XXXX XXXX charge offs on my account and XXXX judgement from them. I disputed all of these with the credit bureaus. XXXX removed them all except the judgement. because it had been 7 years reported on my report. XXXX and Equifax refused to remove from my credit report they stated that the information was correct. The dates are different on each credit bureau. I know that it has been 7 years but I dont know know what else to do to since ive already tried to dispute it. Also XXXX of the accounts I have no idea what it could be. Also the judgement is not accurate. For XXXX it says it was filed as a judgement XXXX 2009 that is false I went and picked up the judgement file from the court house and it states that it was filed XXXX 2009. Another thing that was reported not accurate was the judgement was for XXXX vehicles that were combined in XXXX loan that I cosigned for my ex. The XXXX vehicles were a XXXX and a XXXX. Both items were repoed. In the judgement it states that they did sell the XXXX for {$8000.00} that went towards the balance but it never not once mentions the selling of the XXXX or even the amount of that bieng sold to put towards that judgement. I read it several times and didnt find anything except for the actual loan when I first signed loan papers stating that these XXXX items were in XXXX loan. it was the terms of the loan. So they pretty much sold the XXXX and never took that money and put it towards what I owe. they got the XXXX and they got the profit of selling it and didnt apply it to the negative amount. Its been seven years or more and I dont know what to do about these XXXX charge offs XXXX is in the amount of {$8000.00} and something and the other is {$2500.00} and i dont even know what that loan could be. if it even was my exes and they came after me because we had a joint checking and savings account. And then theres the judgement that is {$11000.00} and something. Please help.
Product: Money transfer, virtual currency, or money service

I had account on Wise, I was doing a small business on XXXX through this Wise account and suddenly my account has been closed without any prior message or email.I am sending emails but no one is giving answer, I mentioned my bank account when i submitted appeal but i have got only XXXX dollars and my account had more than XXXX dollars and more money was about to come.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date:XX/XX/XXXXAmount : {$3100.00} Action Taken : Requesting for the authentic contract and application on file that applied for the alleged debt. 


Date : XX/XX/2019 Amount : {$38000.00} Action Taken : Requesting for the authentic contract and application on file that applied for the alleged debt. 


Date : XX/XX/2019 Amount : {$180.00} Action Taken : Requesting for the authentic contract and application on file that applied for the alleged debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were XXXX late payments on my account with XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. made several attempts to this company to stop reporting innacurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXXASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXXfailed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX the oppurtunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INNACURATE PERSONAL INFORMATION. I have included certified mail slip proving the received these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Product: Checking or savings account

I opened a Citi Bank checking and savings account on XXXX XXXX 2024 online. I funded my checking account with an opening deposit via check at the Citi Bank branch located at XXXX XXXX XXXX XXXX. This opening deposit was made via check for the which I deposited {$400.00} of {$1000.00} into my checking account. This was my second time at the branch cashing a check from the same insurance company ( XXXX XXXX check ). 

On XX/XX/XXXX I made a mobile check deposit in the amount of {$370.00}. The check was held until XX/XX/XXXX. Once it cleared I tried to use my card online and it was declined. I tried to use my physical debit card at a retail store. My card was declined. I went to the Citi Bank XXXX XXXX and I was told there was technical difficulties try again later. I did this for XXXX days to no avail. I called Citi bank on XX/XX/XXXX and was asked questions about the amount of the check deposited I confirmed that I deposited {$370.00}. I was told that within XXXX hours I would get an email about the resolution. I did not receive an email. I tried to log back in on the Citi Bank XXXX XXXX this time the app asks me to confirm information. I did and I was still denied access to my accounts. 

I called back XX/XX/XXXX and was told that my account was closed and there was no further information given. I was told that in XXXX days I will receive a check. 

Today XX/XX/XXXX I called Citi Bank customer service support and made a complaint and received a complaint number ( XXXX XXXX XXXX ). I also called the Cit Bank XXXX XXXX  to speak with a supervisor and make a complaint in which I was told that a complaint will be made on my behalf but that I could not receive the complaint number or any information. I also was not patched through to a supervisor. 


Every interaction I have had with Citi Bank has been via check in person and online with the same issuer ( XXXX XXXX ) who also holds an account with Citi Bank. When in person I can cash my check and walk out with cash. When I opened an account I funded my account with a check from the same issuer. When I made a mobile check deposit my account was closed. These payments are for XXXX XXXX payments and is having a significant impact on my health because I do not have access to my funds in order to buy medication, food, pay bills etc. 

I am requesting a review and that my account be reopened immediately. I am also asking that there be a penalty placed on Citi Bank for the unwarranted, unjustified and unreasonable closing of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Also acct has wrong information showing having my last name as XXXX XXXX which is incorrect and also wrong move out date showing. I have disputed this many times. Please help me 15. USC Section 602A state I have the right to privacy.

15. USC Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported I had 11 late payments, and all were 120 days past due in XX/XX/XXXX. However, if you look at my payment history, it reported on-time payments in XXXX, XXXX, and XXXX of XXXX. I didn't have late payments because my account was in forbearance. 

I've disputed it with XXXX XXXX XXXX and XXXX, and TransUnion. I asked for one-time late payment forgiveness, explained the loans were in forbearance, therefore they could not have been more than 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan  Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XXXX XXXX, XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days
Product: Credit reporting or other personal consumer reports

I HAVE TRIED SEVERAL ATTEMPTS TO CONTACT TRANSUNION ASKING THEM TO VERIFY THE ACCOUNTS THEY HAVE LISTED AS LATE. THE COMPANY HAS FAILED TO COMPLY. THIS IS A BREECH IN MY PRIVACY RIGHTS. 

I AM PROMISED ACCURACY IN MY REPORT BASED ON FEDERAL LAW. I AM MAKING THIS CALL AS ANOTHER ATTEMPT TO HAVE THESE ERRORS CORRECTED ON MY CONSUMER REPORT UNDER 15 USC 1681. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX HAS VIOLATED MY RIGHTS : 1. ) 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 

2. ) 15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

3. ) 15 USC 1666B : STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE. 

AS YOU CAN SEE IN YOUR SYSTEM, AND TRANSUNION SYSTEM THE COMPANY HAS NOT VERIFIED THE ACCURACY OF THIS INFORMATION OR VALIDATED IT.
Product: Credit reporting

I applied for a free credit report on Experian 's web site and was charged  XXXX  a month instead. This is what the page says : When you order today, you 'll get : Free Experian Credit Report Report Refreshed Every 30 Days on Sign In Toll-Free Support Available 7 Days a Week Experia n Credit Mo nitoring Alerts FREE Completely Free and Easy Experian agreed to refund my current month 's charges, but NOT the charges from the month prior, for which they sent NO email, invoice, or any record that I was being charged. I only discovered it on my credit card statement, which of course reflected the PAST month 's charge. This is a trick. My credit card refunded my money, but I do n't want others to be duped by this unethical practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a charged off account that they sold to a XXXX  XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to XXXX XXXX. I have disputed this item several since XXXX 2021 stating this item from XXXX XXXX  is reported incorrectly and they will not update the account. XXXX XXXX  can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly! I have also sent XXXX letters to both XXXX and Transunion asking for signed documents or original contracts with my signature on them for the account they are reporting incorrectly.
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 2nd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

I am. Trying to settle a debt with a company called national credit service. 

I was trying to explain my case, dispute a debt. 

I have a documented XXXX of XXXX  XXXX and have send over my ssd papers multiple times. Im also being told different times that I can be released from their XXXX  program This is causing me stress and causing my XXXX to worsen. This is greatly affecting my credit and FIOS score, thus my housing situation as Im unable to buy a home. 

Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been to a XXXX in Arizona. And 4 times I believe my credit report says. Please remove this from my report. Thank you kindly.
Product: Money transfer, virtual currency, or money service

On XXXX XXXXXXXX XXXX, I transfered {$320.00} into my savings account at Wells Fargo titled " Opportunity. '' That same day, I had a payment transferred to XXXX XXXX in the amount of {$300.00} for a loan payment. 

XXXX claims they had not received my {$300.00}, but Wells Fargo continued to overdraw me {$300.00} and my father, XXXX XXXX, transferred money out of his account to make up for the overdraw. 

XXXXXXXX XXXX then stated on XX/XX/year>, that they had never received the money and Wells Fargo " has no record of my overdraft '' or my original payment to XXXX. 

Neither party has any idea where my money is.
Product: Mortgage

I applied for an FHA mortgage with XXXX XXXX XXXX XXXX An Illinois Corporation and closed on XX/XX/XXXX. I was given a TILA but no Right to Cancel or Rescission Letter. I only discovered this on XX/XX/XXXX due to XXXX XXXX  XXXX, XXXX. attorney 's providing me with initial mortgage documentation. 

I am currently in litigation with XXXX XXXX  XXXX, XXXX, trustee of my loan since XX/XX/XXXX. I am in Foreclosure Court and informed the judge and opposing counsel that I never received an Right to Cancel/Rescission Letter. Attorney XXXX XXXX of XXXX XXXX, XXXX, for XXXX XXXX XXXX, XXXX. stated, " I was time barred '' and Judge XXXX dismissed my request to Amend Count VI - TILA Violation of my Second Amended Counterclaim. I never knew about a Right to Cancel or Rescind Letter until a lawyer informed me of it in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in the XXXX I went into XXXX XXXX and inquire about and 1 bedroom apartment. At the time there was a application fee and a processing fee. The agent XXXX was helping my daughter and me ; On this day it was storming so we wasn't able to see the apt . I went online and started the application process, and when back into the office to request to see the apartment. Once I view the apartment I advise XXXX that I did not like the apartment and would not be moving forward. XXXX ask if I did the application and I responded yes. In the beginning she advise that in order to get started I needed to bring and application fee, which I never gave and once approve I needed and deposited, which was never give. After that I started getting email about and apt , I called the office and ask why my credit was ran XXXX advise her manager did it. I called for month requesting to talk with the manager and even stop by. never get to talk with the manager. I found out about the report and the manager agreed that I never applied. I ask for this to be remove from my report and it is still on my report. I left a copy of the collection bill and never heard anything back. disputed this with the credit people and was told it was accurate. they cant show me any paperwork, processing check or deposit that I made. XXXX was left go, seems to me she was doing fraud to boost her numbers. However I don't owe this company {$150.00} and would like for it to be remove from my credit report..I also reached out to the collection company and was never send proof of this transaction
Product: Credit reporting or other personal consumer reports

I do not recognize this company.This company is reporting on Two credit bureaus instead of all three which is damaging my credit score. I requested that the item be deleted from my account because the company never produced original contract.
Product: Credit reporting

Experian Credit Reporting Agency continues to report inaccurate and false account information from both XXXX XXXX XXXX and XXXX XXXX that I have repeatedly and desperately trying to have removed and completely deleted based on the numerous and legally binding documentation that I have submitted to XXXX the creditors and Experian proving that I was a victim of Identity theft in 2014. I had a credit fraud alert in place at the time that these accounts were opened fraudulently and without my written or verbal authorization. I was told by the representative at Experian that although it is advised for they credit companies to verify with anyone who has a fraud alert in place with any activity associated with their person and private information. " They are not obligated to do so, its not the law ''. Therefore I feel as Experian is violating my consumer rights to report accurate information by continuing to report that these accounts are in collections and XXXX past due without proving that this is accurate. I have PROVED over and over again that I not only did not open any of the accounts that I am disputing, I did not live at the addresses they have provided Experian, and I have far beyond provided multiple forms of documentation proving this. The companies that Expieran is reporting information have not provided me nor them with ANY documentation or proof that I was the personal initiating any accounts with these companies. They continue to deny my request for a verbal or signed consent from me to be able to continue to ruin my life with the inability to qualify for a home loan and now I have been denied for financial aid for my son 's tuition to attend school next year. PLEASE HELP
Product: Mortgage

Chase has finally approved a Short Sales, offer on my home. they also will provide me with a $ XXXX relocation allowance ( $ XXXX is the maximum HAFFA will allow ). Now I owe the IRS some back taxes. The IRS want to take my $ XXXX moving allowance to satisfy my tax liability. 
But I need this $ XXXX to move rent a house, and secure employment, without it I become a homeless statistic. 
Please convince the IRS that I do not profit from this relocation allowance, and although it sounds like a lot, it really is not. Please convince the IRS, to allow me to keep this, and it is in there best interest, as once I am able to establish full-time employment, that I will at that point, will be able to set up a payment plan to repay, what I owe them.
Product: Student loan

I have been recieving phone calls from tons of different numbers from people who say they are from Navient solutions ( part of XXXX XXXX ). They said I attended school at XXXX XXXX in 2007 which i did not & did not recieve any money doing so. Nothing is on any of my credit reports from said loan but people call about XXXX to XXXX times a day offering several repayment options & the balance is never the same. Sometimes they tell me i have to pay the full balance other times they pffer a settlement. This said loan is 8+years old & no longer on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}