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

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( 1.XXXX  accounts # XXXX opened XX/XX/XXXX 2.XXXX account # XXXX opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX ) In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

This is about Credit Karma. They have seized/locked my account and illegally taken my money without warning or explanation. I have called several times and sent many emails, all to no avail. 

I have been using Credit Karma since XXXX of this year when XXXX XXXX offered them as a way to receive our tax returns refunds. We received the tax refunds, and now, also have started receiving the Stimulus Child Tax Credits as well. 

I am also using this account to make regular payments and also receive part of my wages. 

Then out of nowhere, on XX/XX/XXXX, last week, I realized that all my payments were being rejected and nothing was going through with my Credit Karma debit card. 

I called them the next day, XX/XX/XXXX and tried to find out what was going on. I was told by the customer service rep who answered the call that she didn't and couldn't tell me anything but that somebody will look into it and contact me again. 

I received an email the next day requesting my ID which I immediately photocopied and sent both mine and my wife 's. 

Since then, it's just been series of emails and they still have my accounts and funds locked. My wages were not able to deposit and had to be returned and I'm still making arrangements to be able to receive my pay. 

This situation has is causing not just embarrassments, but trauma and having to go without money for all this while.
Product: Mortgage

My mortgage was sold from XXXX to Selene Finance and i made my first payment over the phone. The was suppose to send me a welcome pkg with the new terms. However, I haven't received it still so i called. The old company nationstar informed me that my loan was transfer within 15 days. I tried to make my payment online and it went through for my second payment on XX/XX/2019 online with a confirmation number. I called several times because it yet clear my bank so the money still in my  account. Several Customer agent from Selene Finance said its fine ; but its not. I had my sister who helps me with the financial documents to reach out to them and we are constantly lied to. I have no idea now that its XX/XX/XXXX when they will take that payment. Fire XXXX out my account. Im unable to log on to check my account under Selene Finance and the dont help. I doubt wasnt to lose more home or it falls behind because this new company Selene Finance not p processing my payments. I called 6 times and still nothing done. It's very frustrating and im concern that thus new lender is not paying my insurance, taxes or anything because they not processing my payments. Please help! 

Sincerely., XXXX XXXX
Product: Credit reporting or other personal consumer reports

I dispute multiple items on my credit report has been inaccurate. They have yet to be removed from Experian, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

On Friday, XX/XX/XXXX, at around XXXX XXXX, I attempted to withdraw {$800.00} ( the maximum allowed by BMO Bank ) from my checking account at the ATM at the BMO bank branch at the corner of XXXX XXXX and XXXX XXXX in XXXX, IL. After I inserted my ATM card and entered my PIN, I requested {$800.00} withdrawal. The ATM churned and then displayed a message that it was unable to process my request. Then it returned my ATM card without issuing a receipt or any cash. I immediately went into the bank branch and a teller told me should could not help me and that i should talk with a Relationship Banker. I recognized that the Branch Manager was in her office and I approached her for help. She explained that the ATM machine was owned by a third party ( XXXX??? ) and that she could only report the problem to them and that I would have to wait to see if they credited my account with the {$800.00}. She and I went to the ATM to look at it and we didn't find any cash dispensed. Then, I asked the Branch Manager to provide me with evidence of my complaint so she wrote an email detailing the issue and sent it to me and other employees at the branch. All day my online banking account just shows the {$800.00} withdrawal as " pending. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I apply for something I get denied and I do n't have a credit score, but I had one before now I do n't have one.I do n't know what happened and I feel like someone is using my identity.
Product: Debt collection

I recently filed a complaint,XXXX, in regards to collection company, XXXX XXXX XXXX I reported that I had not received paperwork from this company, in regards to an account. Which I had not. I checked my USPS INFORMED DELIVERY emails and saw no mail images, from XXXX XXXX or XXXX XXXX delivered to my home. 
However, after receiving the first piece of mail, from XXXX XXXX, on XX/XX/XXXX ; it is stated that they are trying to collect on an account for an online loan company, that I know as, UPGRADE. I was not aware that this company does business by another name. 
So, of course I had no idea which company this was, reporting negatively to the credit bureaus. 

I do have a contract with UPGRADE. However, as initially stated. I did not receive any formal correspondence, in regards to my account being in jeopardy of being sent to collections. Which was the complaint towards companies, XXXX XXXX, XXXX XXXX. 

After doing some digging for possible emails from UPGRADE, since there were no letters sent ; I did find an email. An email that stated that my account had been sold in XX/XX/XXXX, to XXXX XXXX. 
What I did not receive prior to the account being sold, was any letter or email, providing me a balance of debt, at the time, I was given no option to clear the debt, before the account being sold, either. 

I had to do a strenuous search, in order to find the single email, in regards to my account being sold. I believe that I should have received more than a single email, for such a matter. 

I do not believe that UPGRADE did their due diligence, in order for me to pay off the debt, being it was sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX fraudulently opened a car lease under my name and used XXXX XXXX as lender now reports on my credit bureaus
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am writing to bring to your attention an ongoing issue I have been experiencing in relation to the welcome bonus for my account with Truist Bank. I would like to formally address the matter and seek resolution at the earliest convenience. 

To provide a brief overview, I initially opened an account with Truist Bank to avail the {$400.00} welcome bonus. Despite encountering initial challenges with account confirmation and funding, I haven't received any email confirmation or phone call from Truist. As I understand, the account will not be active until I complete the initial opening deposit. 

After waiting and receiving no account confirmation, I subsequently opened another account using the relevant coupon code, made the necessary deposit, and fulfilled all specified requirements, including setting up a direct deposit and meeting the deposit threshold of {$1000.00} within the stipulated timeframe.

Upon contacting Truist customer service on multiple occasions, I received conflicting information regarding the status of my bonus eligibility. While some representatives confirmed that I had successfully met all requirements and would receive the bonus, others indicated that I was ineligible due to having opened XXXX accounts, despite the first account being inactive and set for closure as per the advice of a Truist branch representative, XXXX, a personal banker at Truist XXXX branch in XXXX. 

I have attached relevant documentation, including screenshots and communication records, to support my claim of having fulfilled all criteria for the welcome bonus. It is disappointing to note that despite following the bank 's instructions diligently, the situation remains unresolved, causing undue inconvenience and uncertainty. 

Additionally, recent online searches have revealed customer complaints regarding similar issues with Truist Banks promotional offers, raising concerns about transparency and customer service standards. 

Given the circumstances outlined above, I kindly request a thorough review of my case and prompt resolution to ensure that I receive the entitled welcome bonus of {$400.00} without further delay. I would appreciate your urgent attention to this matter and a definitive response regarding the status of my bonus eligibility. 

I look forward to your prompt action and a positive outcome. Thank you for your attention to this matter.
Product: Credit card

I have a paypal smart connect account. I can view all my transactions online and today i was looking at my account and i was missing XXXX dollars so i called the paypal smary connect customer service to see where was my money. So when i reached a coustomer service rep i asked why i was missing XXXX dollars and he told me i made a purchase on XXXX XXXX for XXXX dollars and i told him from where and he said i dont have information to give u and i told him what do u mean u dont and why i cant see it .. And he said i would have to wait 2 to 3 daya to see it in my account and for them to have more information and i told him i never purchased anything for XXXX dollars and i always get an email ...
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card

Capital One credit card was opened by an employee while I was on social security XXXX without my authorization by XXXX XXXX. Upon termination of her employment she stopped making payments which negatively impacted my credit. I have disputed these charges multiple times claiming identity theft.
Product: Mortgage

In accordance with XXXX servicing guidelines Section XXXX, we believe our investment property currently being serviced by Amerisave Mortgage Corporation / XXXX is at or below 70 % Loan to Value based on the recent increase in housing prices and recently sold comparables in the neighborhood. Regardless of seasoning since it is an investment property ( our mortgage is seasoned almost XXXX years ) we have the right to request that the servicer have the property appraised to determine the current value so we can terminate our mortgage insurance if it comes back at or below a 70 % Loan to Value ratio. 

My wife who is also on the mortgage first called Amerisave Customer Service on XXXX XXXX, 2016 and verbally requested to have the mortgage insurance cancelled based on current market value. The customer service representative informed her that the request was being sent to their Escrow Team for review and processing. We received a template denial letter dated XXXX XXXX, 2016 with the " Other '' box checked and the explanation of " LTV must be at 80 % for investment properties ''. There was no other communication relating to a recent valuation or other instructions on how to request a valuation for the purpose of removing mortgage insurance. My wife then contacted the online customer service via their online chat on XXXX XXXX, 2016 and again requested to have our mortgage insurance canceled based on the current value. We received the same template denial letter dated XXXX XXXX, 2016 with the same explanation " LTV must be at 80 % for investment properties '' and no further instructions on how to request a valuation to determine the current Loan to Value. On XXXX XXXX, 2016 we sent a Qualified Written Request ( QWR ) to Amerisave via XXXX overnight with confirmation the letter was received on XXXX XXXX, 2016. The QWR contained plain language that the letter was a Qualified Written Request under section 6 of the Real Estate Settlement Procedures Act and also contained the XXXX Servicing Guide section XXXX. XXXX including the requirements for a Borrower-Initiated request for termination of mortgage insurance.We received the same template denial letter dated XXXX XXXX, 2016 with the same reason. 

As of today XXXX XXXX, 2016 it has been XXXX days since Amerisave Mortgage Corporation received the Qualified Written Request for them to appoint an appriaser for the purpose of determining the current value of the property to terminate mortgage insurance. To date, we have not received a an acknowledgement letter ( due within XXXX days ) or a substantive response ( due within 30 days ) to our request as required under current RESPA regulations 12 U.S.C. 2605 ( e ) ( 1 ) ( A ) and 12 U.S.C. 2605 ( e ) ( 2 ). Amerisave Mortgage Corporation is currently in violation of regulations under RESPA and has delayed our Borrower Initiated request for termination of mortgage insurance. At no time has Amerisave provided direction or useful assistance to our numerous requests, causing us to spend valuable time submitting these inquiries and costing us money by continuing to pay mortgage insurance.
Product: Debt collection

XXXX XXXX {$710.00} CB XXXX XXXX {$0.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX BANK XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} FXXXX XXXXXXXX XXXX {$500.00} XXXX XXXXXXXX {$140.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day peXXXXod beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights according to Fair Rights Credit Reporting Act. According to laws 15 USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ) 1 ) XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX Acct # XXXX
Product: Debt collection

To whom it may concern, I am submitting this formal complaint regarding the inaccurate reporting of a collection account by XXXX XXXX XXXX on my credit report under account number XXXX. I believe the reporting of this account violates multiple federal laws, including the Gramm-Leach-Bliley Act ( 15 USC 6802 ), the Fair Credit Reporting Act ( 15 USC 1681b ), Aggravated Identity Theft ( 18 USC 1028A ), and provisions under the FCRA. 

Details of the Complaint Violation of 15 USC 6802 ( Gramm-Leach-Bliley Act ) : This statute governs the sharing of personal financial information. I believe that my personal information may have been shared or reported to credit bureaus without my explicit consent. This is a violation of my privacy rights under federal law.

Violation of 15 USC 1681b ( Fair Credit Reporting Act ) : This statute requires that a permissible purpose exist for accessing and reporting credit information. I have requested documentation from XXXX XXXX XXXX to prove they had a lawful purpose for reporting this account, but they have failed to provide sufficient evidence. 
Violation of 18 USC 1028A ( Aggravated Identity Theft ) : If my personal information was used or reported without my knowledge or consent, it constitutes a criminal offense under this statute. I have requested verification of the debt and the legitimacy of its reporting but have not received proper validation.

Violation of the Fair Credit Reporting Act ( FCRA ) : The FCRA requires credit reporting agencies to report accurate and verifiable information. If XXXX XXXX XXXX can not validate this account, the account must be removed from my credit report under 15 USC 1681i ( a ) ( 5 ). 
Summary of My Attempts to Resolve the Issue I have disputed this account with XXXX XXXX XXXX and the credit reporting agencies ( XXXX, Equifax, and XXXX ). 
I have requested debt validation, documentation proving the legitimacy of this account, and confirmation of compliance with the above-mentioned statutes. 
Despite these efforts, I have not received sufficient evidence to justify the continued reporting of this account. 
Requested Resolution I am requesting the CFPBs assistance to : Investigate whether XXXX XXXX XXXX and the credit reporting agencies have violated my rights under 15 USC 6802, 15 USC 1681b, 18 USC 1028A, and the FCRA. 
Ensure that this account is removed from my credit report if XXXX XXXX XXXX can not provide valid documentation to support its reporting. 
Confirm that my personal information has not been shared or reported without proper authorization. 
Hold the involved parties accountable for any violations of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze online with Experian around XXXX of 2019. I carefully wrote down my pin and the information used so I could unfreeze my credit later. On XX/XX/2019, I attempted to unfreeze my credit online and was told I needed to mail them a written request including copies of my social security card and driver 's license. 

I am under the impression that federal law dictates I should be able to place or remove a credit freeze online or by phone and have it executed within XXXX hour. 

There is no way to contact Experian by phone. I've tried multiple times to talk to them regarding this issue on XX/XX/2019 and XX/XX/2019 ( during business hours ). Their automated system will not allow me to reach a live person. The automated system repeats the same information that I need to submit my request by mail. 

Please help me CFPB. I do not want to mail my identity documents and risk them being stolen when I should be able to do this task online or by phone. 

Thanks.