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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit report and found a debt collection company had a collection account for me. I called the company XXXX XXXX XXXX XXXX XXXX they said it was for a payday loan taken out in 2015. I never took this loan out and the bank they have listed is not the bank I use.
Product: Credit reporting or other personal consumer reports

I have charge offs from companies that reported on my credit.. these companies never provided me any 1099 but got tax breaks for profit lost.. Im requesting 1099 to get these charge offs removed off my credit..
Product: Debt collection

I wrote and notarized a letter requesting physical verification of a debt that was sent certified mail and was delivered to XXXX on XX/XX/2019 and XXXX  on XX/XX/2019. 
The letters requested that physical verification of a debt be sent to me per the laws of the FCRA. XXXX  and XXXX both stated that Solomon & Solomon PC had verified the debt with them. As of today, XX/XX/2019 I have not received verification that the debt is real via a signed contract with the original creditor with my signature or any other information stating Solomon & Solomon PC has any right to collect a debt, as well as other information that must be verified per the FCRA that would allow them to report this debt to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I sent police report, Federal Trade Commission Claim number, affidavit, and now getting you all involved. I also sent accounts, and account numbers, amounts, to no avail. several of the accounts were removed and reinstated. However proper protocol was not followed. The account holders didn't respond in a timely manner. They also did not notify me that these accounts were being reinstated after being remove for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any.

( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$0.00}
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 Rigths. 

15 USC 1681 Section 602 states I have the Rigth to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

have contact all 3 major credit bureaus and XXXX XXXX in regards to account being invalid reporting late payment I have a letter from company it has been submitted to all 3 bureaus and they still refuse to remove late payments. I have never been late my loan with XXXX XXXX is current and paid as agreed since I entered contract up to this date of XX/XX/18. would like credit bureaus to remove late payment remarks
Product: Checking or savings account

On XX/XX/XXXX funds were used from my account while I was at work through way of virtual card. After work I tried vigorously to resolve the discrepancies but was told that nothing was possible till the transaction was finalized by the merchant. On XX/XX/XXXX the transaction was finally resolved and I called immediately to dispute the transaction. Was told ( by Chime ) that after 10 days a temporary refund would be issued. Today is day XXXX. And when I called Chime in relations to the issue of the temporary funds I was met with a decline of my dispute a few hours after the call. I've been a Chime customer for over 8 years without not one issue of a relatable matter. Spotless record. And the first time i have a problem this is the result. Unbelievable
Product: Checking or savings account

On XX/XX/XXXX three fraudulent charges were resolved in my favor but due to these charges Capital One Bank placed a hold on my account and is refusing me access to my funds. On XX/XX/XXXX I contacted Capital One bank and was told the local branch teller can call in and the hold would be removed allowing me access to withdraw the funds and close the account, however I was told the account was closed 30 days after filing the claim for fraudulent charges and told a check would be issued to me for all funds available in the account. To date, Capital One Bank continues to deny my access to MY funds. Today, after being told to go to my local branch to get my funds I was denied and told a check would be issued for the funds in my account but again no one can tell me when the check will be submitted. To date, Capital One Bank has denied access to my account including bank statements. I need help. 
Capital One Bank XXXX, Louisiana
Product: Checking or savings account

Chase bank had closed my account after provided the information requested for no apparent reason
Product: Checking or savings account

I opened a online checking account with citibank at the beginning of 2021 and since then have been dealing with problems from them about new account fraud as so they say but I've sent them all my info ID, SS card, proof of address and they keep saying my info is not validated.ive called hundreds of times and they keep telling me ill receive something in the mail and never receive anything.they told me my account would be closed and a check sent to me within 30 to 60 days and 90 days later still nothing.they told me to get a verified phone number I did that and for some reason they still can't verify my info.they have been holding my government refund since XXXX XXXX need my money citibank should not be allowed to hold my money from me like this.i call them and ask where the nearest branch to me is and I'm told they have no idea.they supposedly work for citibank but can't tell me where the nearest branch is XXXX.it took them 2 1/2 months just to send me my debit card.my online account says I have funds available but when I try to use them I get a error how are my funds available but I can't touch them.please help me get my money back im tired of this nonsense from a XXXX bank.
Product: Mortgage

I was pre-approved for a conventional home loan XX/XX/XXXX by All Pacific Mortgage. I provided bank statements, pay stubs, and showed adequate funds for the down payment and closing costs. At that time I was XXXX. I did not find a house to purchase before XXXX. I then found a house XX/XX/XXXX. My pre approval letter expired while I was XXXX. My realtor spoke to the lender who sent me a new pre approval letter since my employment, income and savings had not changed since I got the last letter. The seller accepted my offer but on Thursday XXXX XXXX 2015 I received a phone call from the mortgage broker. He stated that the underwriter and banks will not lend to because I am on unpaid XXXX and I will not be getting paid for XX/XX/XXXX and XX/XX/XXXX. Then the broker stated that they would consider lending to me if I returned to work and ended my maternity leave early. He also spoke to my realtor and stated the same facts. I never received an email or any other form of written communication from the mortgage broker about not being eligible for the mortgage loan due to my XXXX status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX customer that recently refinanced my mortgage. 
My XXXX XXXX XXXX score is XXXX. 
I applied for a XXXX refinance and on XX/XX/2021, XXXX informed me that my credit was XXXX for the refinance. 

Why is XXXX selling me products based on a XXXX score and informing me that I have a XXXX credit score? 
This deceptive bait and switch is not acceptable and deceitful.
Product: Debt collection

I am writing to file a formal complaint against National Credit Adjusters regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$510.00} .However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus.

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency.

Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity.

In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me. Additionally, I request that you provide me with detailed information about the alleged debt, including the name of the original creditor, the date of default, and the specific charges being claimed.
Product: Credit reporting or other personal consumer reports

I am REWRITING to formally resubmit the complaint to LOANDEPOT.COM regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX MI XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit reporting 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. 

Credit report hard inquiries XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX Bank XXXX Cards XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Experian XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) account number # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX12/07/2022, 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 XXXX 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX I made ACH money transfer from XXXX to my checking bank account, and payout was estimated to take place on XXXX XXXX, XXXX. Although Transfer status in XXXX showing ( Complete ), I have not received anything yet!. I tired to contacted customer support multiple times through ticket opening but have not received any response!
Product: Checking or savings account

I was XXXX XXXX XXXX XXXX on XX/XX/2020. 
I had a u.s. bank reliacard, with approximately XXXX XXXX dollars on it at the time I was hospitalized on the above stated date. I was released a week later, only to suffer an XXXX XXXX  XXXX on XX/XX/2020 and emitted to inpatient care until early/mid XXXX. 
Around the XXXX I was XXXX from XXXX and discovered that my account was emptied ... And continuously used over the course of my hospital emittance without my approval. I immediately contacted U.S. BANK after reviewing several phone messages via text of possible account activity ... however ; I was in a very dire state. As I was confined to a hospital bed, unable to barely XXXX. I sent in all necessary articles of proof via fax to u.s. bank including admittance firms and dates, as well as went as far as to contact my local unemployment office to try and arrange a call to verify these charges and withdrawals to no avail. Over the course of time while I was admitted my account had accumulated an additional XXXX XXXX dollars as well, which me and a representative of u.s. bank went over detail for detail the day I found out which was XX/XX/2020 or XX/XX/2020. A complaint was filed, charges deemed fraud, and a new card was issued. The final total of fraud charges was about $ XXXX XXXX dollars gone!! And nobody willing to help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Potentially negative Date opened XX/XX/XXXX Balance. {$0.00} Status Open. 
DELETE ALL LATE PAYMENTS XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 
DELETE ALL LATE PAYMENTS XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open DELETE ALL LATE PAYMENTS XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. {$330.00} written off. 
The written off amount was lager And I paid the account in full DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX MORTGAGE Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX MORTGAGE Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open. 
Balloon payment of {$3100.00} due XX/XX/XXXX. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Collection account. {$340.00} past due as of XX/XX/XXXX. Paid in full creditor wrote off account in XXXX and XXXX DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid by creditor DELETE ALL LATE PAYMENTS XXXX & CO XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$270.00} Status Open. 
Paid in full Creditor wrote off amounts multiple years in a row since XXXX. 
DELETE ALL LATE PAYMENTS
Product: Credit reporting or other personal consumer reports

LVNV Funding reported a collection/charge off on my Consumer report without my knowledge, full disclosure provided or my written consent.
Product: Student loan

Completed the course that I was signed up for. Finished paying the in school loans, and was promised job assistant when I went to applied for those jobs in which the school referred me. They saw the school I had graduated from and the time that I graduated, I was then told that my diploma/certificate was invalid due to credential loss half way through my education. I was told that in order to rectify this and be able to be a candidate or the position then I would need for the position, it was recommended that I return to school and redo my credentials. 
I called the school, they told me, that everything was fine, if there was more credential needed, I would need to return to the school and re apply for that course. Even after explaining my situation they advised that in that case it would be in my best interest to return to school but that I would have to pay for the course again and that they would help me reapply for all the same loans so that I could come back and redo the course. Receiving no understanding for the situation that I was in due to them I was only offered a change for me to come back in and speak to another councilor and that they would be more that happy to redo all the loans in which I already had again and could n't pay for, and that I did need to understand that any new loans would be in ADDITION to all the current loans. I asked why I would want to do that when I could n't pay for what I already had because I could n't get a job as promised when I signed up for the course as I was unemployed at the time of enrollment but was promises that that was n't a big deal as at the end of my course I would be assisted in job placement so that I could repay every loan that they signed me up for in the first place. Which in all fairness I do n't understand how they could possibly tell people who had no form of income to come on in and sign up for thousands of dollars based on a promise that they would in fact help make it so that I could repay them and still have money left over to support myself and my family all of which today I am learning were lies. And I want to report this as a fraud. Therefore, I need documents to file a fraud against Navient or XXXX XXXX. I am still refusing to pay this due to not even working in the XXXX, per say as my dream job. It has been ruined, so I have chosen a different career. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX was paid 2 years ago. 

XXXX XXXX  was sold to a third party without my permission. 

Medical bill was paid 4 years ago