23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently requested for a full check of accuracy on all three of my credit 's reports from, XXXX, XXXX and Experian. I have done a full investigation on this accounts that I have notice to not be accurate on my reports, after I requested the credit bureaus to look in to the this matters at hand. I requested my credit bureaus check for accuracy in XX/XX/2022 and also in XX/XX/2022, I see there are serve accounts that are not accurate or not mines still present on my reports. According to The Fair Credit Reporting Act, 15 U.S.C.1681 section 602A. States I have the right to privacy. The Fair Credit Reporting Act, 15 U.S.C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Here is the listed of account wrongfully, inaccurately, or not mines at all that is still been reported on all the credit bureaus or just on one or two bureaus. I also have a police report on where my wallet was stolen out of my car. Someone was trying to open accounts in my name. 

XXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX I Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Original Creditor XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX
Product: Prepaid card

I have tried accessing the balance information on the website provided and also via the number on the back of the card ( XXXX ) XXXX as well as a number I found online ( XXXX ) XXXX but it keeps telling me that the information provided is not found in their system. I have carefully entered the information and double checked that I was entering it correctly. We have had issues trying to get this card to work and I would like to know what's going on because it is a {$50.00} card.
Product: Money transfer, virtual currency, or money service

XX/XX/2022, Check # XXXX to XXXX XXXX is posted in Chase.com 's website. It is a balance transfer check for the amount of {$1500.00}. XXXX XXXX  representative deny ever receiving the check. 

Same month -and the following month after being suggested to wait a few more weeks- phone calls with Chase 's disputes department lead to nowhere. They state that it has been 'escalated ', but to this date the problem has not been resolved. 

Interest has accrued!
Product: Mortgage

My original lender is XXXX. Countrywide Home Loans was my servicer. After XXXX declared bankruptcy, my loan was never legally transferred or sold. In or around 2011 Bank of America ordered the preparation of an Assignment from XXXX AS LENDER, transferring my loan to them. Now Bank of America claims to be my lender. The transfer violates common law agency, assignment laws and is clearly fraudulent. 
Please review assignment and determine whether or not transfer was legal. I believe I own my home free and clear,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is settled on my credit report reporting as derogatory. Both the account status and the comments on both XXXX and XXXX are reflecting as paid/settled however the payment status is reflecting Collection/Charge-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right 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 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX. I am the sole creator and owner of the monetary instrument Promissory Note used for the referenced property and account. I asked Select Portfolio Servicing, Inc. to return my property to me and they refused to do so.
Product: Checking or savings account

I have overdraft protection on my account but have still been overdraft on numerous occasions since opening my account and received overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Card Services Escalation Complaint CARD : XXXX XXXX XXXX XXXX PHONE : XXXX FAX : XXXX I have XXXX XXXX, XXXX XXXX be removed as an Authorized User on on this credit card account for the past 6 billing cycles. Yet for some reason they are failing in several areas on this request. I have spoken to Supervisors on 3 separate occasions regarding this matter yet it continues to go unresolved. My issues are glaring but unresolved and this is causing me a significant amount of stress waiting on this to be fixed.

1. This account is still reporting on his credit report as an Active Authorized User. Although he is not. It should be reporting as TERMINATED $ XXXX BALANCE. 

2. The actual balance is only accurately reflecting on XXXX. While Equifax is showing the balance from XXXX XXXX ( {$2700.00} ) .Even this balance is incorrect as you can see from the screenshot that the balance as of $ XX/XX/2022 is only {$240.00}. 

XXXX. Last reported date on XXXX and Equifax is XX/XX/2022. So neither XXXX or XXXX 2022 were updated. 

XXXX. Date last Active again is reporting for XXXX and Equifax as XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since you sent me the dissolution for my last and only complaint, I have been getting harrassing phone calls. They say I am to appear before a federal governments majester and since I never responded to them I am going to prison.? I looked it up online line the multiple numbers and sure as XXXX  others had complained of a scam, its just weird it was directly after dissolution of my complaint. Also now there is a fraud block on my report telling any consumer to call me before any purchase .... Its basically ruining my life, I am a single father trying to make it with a XXXX year old zero help from the mom she is long gone and you've destroyed or whoever put this fraud block on what credit I was rebuilding. My personal info is off by a long shot its seriously ridiculous! There is stuff on my credit which is ten years old when can a man finally get a break? Not to mention i'm in between XXXX   working jobs from the season and unemployed ... The i.r.s. charges like XXXX dollars a missed payment the state puts leins and distraint warrants out on bogus child support..NO ONE even actually looks at these claims ... The only government or service workers i have found to do a decent job is the DHS, and some of there workers are like ridiculous to where its overboard. I here of a tax reform all the agencies government and state are reformatting to correct this? I seriously hope my daughter grows in a generation where this is taken care of and government and state officials give a family the chance to XXXX LIVE!!!!! excuse my language i am in an outrage. HENT..VENT ... Please email me back or call leave a message so i can call update my contact information immediately so me and my XXXX year old can have a chance in this wold!!! and please take the fraud alert aff my account!!! ASAP When called i will present my real current info like phone address school history because some of the guesses and XXXX still on my credit is bogus!!! thank you for your time!! 
XXXX XXXX
Product: Credit card or prepaid card

CFPB team please review Citibank issued Credit card ( Citi Premier Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/2018 It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have payed membership fees and accumulated thousands of dollars of charges on the account for which Citibank has charged credit card fees from each merchant I have used. My annual fees was {$95.00} I paid on that account that has not been refunded. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. They are not ready to help. 
I have my rights to redeem my rewards back for each one of these cards : Citi PremierSM Card Ending with XXXX XXXX Points that were earned for purchases I had made until XX/XX/2018. 
I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/2018. There was no response received. I had requested XXXX points on my account to be redeemed for Homedepot Gift Cards of {$750.00} or Cash Card. 
+ {$180.00} credit sitting on the account for overpayment of funds Citicards pulled from my local XXXX bank. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 5 years paying annual fees to the bank. 
I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing only on this account the payment history. This account is fully accurate pertaining to type of account, balance, date opened and date closed, Last reporting and last payment date. All of this information on this account is accurate but the payment history is inaccurate. 


AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Transferred Transferred Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$240000.00} {$240000.00} {$240000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Transferred to another lender Transferred to another lender or claim purchased. Account transferred or sold Real Estate Mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX
Product: Debt collection

This debt is on my credit report illegally the company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in a court proceedings lawsuit for damage to a property I used to own as a result I loss hundreds of thousands of dollars caused by this company contractor the issue has still not been resolved and I warned the debt collection agency and send them my attorney in the cased information unfortunately my original lawyer on the case die from XXXX XXXX XXXX case still pending Supreme court of the State of New York county XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, & XXXX violated my rights as a consumer pursuant to 15 U.S. Code 1681b. I did not submit written consent to these agencies for them to furnish a report. These agencies can not provide me evidence of a written consent. I contacted Experian on XX/XX/XXXX and XX/XX/XXXX via calling to get everything on the profile deleted. They ignored my request and told me they could not delete my account. I asked them to produce documentation showing my written consent and they said they have no evidence of my written consent but still would not delete the profile. I contacted XXXX on XX/XX/XXXX via calling and told them the laws they violated and the agent disconnected the call. I attempted to speak with XXXX  but the call never connected me to an agent. As a consumer I feel extremely violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was compromised, i spoke with Transunion about this issue and their customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Consumer Loan

My XX/XX/XXXX XXXX XXXX was repoed in late XX/XX/XXXX. I had heard nothing from the ender nor a collection agency until a few months ago, My uncle whom does not live with me received calls to his personal cell phone fro a collection agency about MY personal matter with this.I received nothing from the lender about when my vehicle was sold, if it sold, how much, how much a credit or I owed. contacted a attorney and he advised me by KY law the lender MUST submit within 10 days a statement of what the vehicle sold for etc on my account. I have received nothing, I told the debt collection agency I had received nothing he said he would request documents be mailed and that was 3 months ago and I have received nothing. I want this matter closed and documents have been sent to Santander advising court would get involved if it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled loss. After insurance settled we had to pay the remaining balance which we did within the timeframe that XXXX XXXX gave us. After checking my credit report, I see that XXXX XXXX has a charge off on the account and paid. Every month before the month of the charge off was in an " OK '' status until XX/XX/XXXX. XX/XX/XXXX it was " OK '', XX/XX/XXXX it was " OK '' ; XX/XX/XXXX is was " OK '', and in XX/XX/XXXX it was Charge off. By their own records, we were never delinquent. How does an account go from the month before as " OK '' status and the next month a charge off. Especially during these times of a pandemic, a company rushes to ruin the credit of suffering people, what a horrible example of integrity and yet the U.S. wants us to believe " We're all in this together. '' To add insult to injury, all correspondence and the paid off letter was directed to XXXX XXXX, my daughter, and XXXX was the co-signer on the loan. XXXX XXXX never sent me any correspondence with my name, XXXX XXXX, on it. I was the primary signature of the loan. 

Definition of Charge Off : If you fail to make minimum payments on your credit for 180 days, your credit company will consider your debt a loss asset, or an asset that is uncollectible and considered a bad debt. 

I've tried to reach XXXX XXXX repeatedly. Phone records to verify. If I transacted business the way that they have, I would be in hiding too. 

The letter attached states that the debt was paid in full XX/XX/XXXX. The loan was paid off on XX/XX/XXXX online but it takes 2-3 business days for the transaction to be complete, hence their XX/XX/XXXX transaction timeline. 

I apologize for the personal comments but this is a sorry state of affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries and Personal Info : I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Product: Money transfer, virtual currency, or money service

My account with Coinbase has been " temporarily disabled '' since XX/XX/2018. 

My account was frozen by Coinbase after I reported a 3rd party was attempting to access my account. 

In the last 4 weeks I have emailed and called on numerous occasions, trying to have this restriction removed. Support staff keep telling me " specialists '' are looking at my case. Apparently these " specialists '' only operate via email and the support staff has no way to contact them. 

I have several thousand dollars being held captive by Coinbase and I feel nothing is being done to resolve my issue.
Product: Debt collection

Someone used my identity and I have tried to contact the company and no help. I trhiedcalling several times and no one will help.