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

It is being reported by all 3 bureaus a charge off of {$240000.00} from XXXX XXXX XXXX. It is benig reported by XXXX and Equifax as a " charge off '' and that the account i question was closed XX/XX/XXXX yet months following there is no data until XX/XX/XXXX they state a last payment and XX/XX/XXXX a 1st deliquency. For years XXXX and XXXX they report " no data '' then pick up in XXXX CO which means charge off and have continued to present. 
I have submitted multiple disputes only to receive a message that the account has been verified and that it belongs to me. Well the problem I have is ; I have spoken to a XXXX XXXX XXXX representative from the number that is provided. They have NO record of me or the debt nor have they been reporting according to this representative the other day and have opened an investigation, report # XXXX. 
It is my opinion Equifax and XXXX are self reporting perhaps for personal gain, but it is now become noticeable this is harassment. I also disputed this information with XXXX and they have since " removed '' this from my credit report. 
This information is causing me financial harm and have been denied loans which I needed to purchase a home. Now they have changed this information to closed v/s charge off which from their description a " closed ' account can remain for 10 years v/s 7 years for a charge off bad debt, late payments. This has now reached the 7 years.
Product: Credit card or prepaid card

This isnt my XXXX t Ive never authorize or consent with wet ink everything was done digital which is negligence by your company lack of security made my ssn vulnerable.
Product: Bank account or service

My account was debited for a large amount by TD Bank with no explanation nor was I contacted. All that was said was " WITHDRAW endorsement XXXX TD Bank '' Why did TD Bank take my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaint XXXX with CFPB and XXXX  Case # XXXX about the inaccurate derogatory information on my credit file. My credit file still shows charges and invalid payment dates that contradict my credit file. The balance and amount are not correct and the charges are inaccurate. About a month ago I filed a ftc identify theft report because some of the charges on this account, I have no knowledge of. The company could not tell me where these charges came from. I attempted to reach out to the company to get this corrected, but it still remains on my credit file. I am not sure how the additional charges got on my account, I also created a police report in order to dispute this information on my credit file. By law if there are fraudulent charges the company reporting the fraudulent charges have to remove this information due to my sworn affidavit and police report. But this company is still reporting this inaccurate information on my credit file. I am appalled that I had to go this far to clear my name when I have contacted this company numerous times. My credit file is all I have to represent my creditworthiness. This invalid information is damaging my creditworthiness and is against the law. After multiple avenues to get this fixed this is my last option without taking legal action. 

Once again, please remove this invalid derogatory information from my credit file, per FTC affidavit and attached police report to avoid further escalation of this issue and breach of FCRA and FTC regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of these XXXX accounts that are showing on my credit report. each time they come back verified as accurate ... .what type of investigation are these companies doing when these accounts have been re aged which is a violation and they have yet to be deleted from my report .... there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit report,,, this account has been re aged which is a violation,
Product: Checking or savings account

On XX/XX/2021, my husband and I entered Chase Bank uptown, a major Chase Bank branch in XXXX, Minnesota to open up new checking accounts and make name updates. The branch address : XXXX XXXX XXXX, XXXX, MN XXXX. We entered the branch lobby at XXXX. There were a male lobby manager, a female general manager who is a banker, and another male banker who was helping a client. It was empty in the lobby and there were no other waiting clients there. However, we were told that since they will be closing after an hour ( they close at XXXX. ), they wont have enough time to open up new checking accounts and do name changes for us and treated us in a very bad way and kicked us out of the branch around XXXX. ( again they close at XXXX ). We are not sure if we were being discriminately treated because we are same XXXX couple but we did have a very horrible experience. As a major Chase Bank branch in uptown XXXX, they stop accepting and serving clients more than XXXX hour before the closing time which is upset and disappointing. My husband and I have been loyal clients with Chase but this is really unforgivable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and TransUnion, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Sunday, XXXX XXXX I applied for XXXX XXXX credit and was not denied or approved. Learned I froze my Equifax. Now I can not access acct. online or by phone. Phone system does not hear my voice OR recognize XXXX XXXX prompts I enter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my account with ADP to get my old employer XXXX  printout and found jobs in my name which I had not worked. This is the second year this information has shown up. I called the company last year ( XX/XX/2018 ) when this first happen and apparently they did nothing. Now I am finding out this person who has been working using my name, and social security number is also using my health insurance to see a doctor as well as for prescriptions. I spoke to both the pharmacy and the Dr. office ( I was told she is XXXX  ) but I'm not sure what is being done to fix the situation.

I am going to try to get a copy of my credit report to see if there is anything else this person may have done using my name/ss #.

I have never lived in XXXX  and yet all these jobs are in XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  XXXX Account # XXXX
Product: Mortgage

My home mortgage is being serviced by the company XXXX after it was sold to them from my original lender. When the mortgage was originally obtained, I did not put down the 20 % and had to include mortgage insurance in my contract. Per my mortgage contract, the mortgage insurance is required to be lifted once my mortgage is at 80 % of the home 's original value. On XX/XX/, my mortgage is past that rate but the company has continued to remove mortgage insurance in both XXXX and XXXX of XXXX  and have ignored all of my requests for them to stop doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with all major bureaus against inaccurate and unverified collection accounts on my credit reports. I have sent letters asking for verification and method of investigation for verification for the collection accounts listed below. I have also sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to collection agencies. I have yet to receive any response from either any of the bureaus or any one of the collection agencies. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. 

Also, the bureaus have been reporting collection agencies own the same accounts. With Experian, as of XX/XX/18, it shows that XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00} and XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/18, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months. I listed the inaccurate and unverified accounts below. 

Experian - as of XX/XX/18 - XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX XXXX collection agency - XXXX XXXX - {$360.00}. 

XXXX - as of XX/XX/18 - XXXX XXXX collection agency - XXXX XXXX - {$360.00}. XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX   XXXX XXXX collection agency - the same XXXX XXXX account that listed with XXXX XXXX collection agency - {$770.00}.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are accounts and address on my credit report that I do nit recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, See attached screen shot - I am unable to retrieve my credit report. I want access to my credit report as per law allows. Give me access to my credit report. STOP BLOCKING MY ACCESS. I HAVE NOT REQUESTED YOU BLOCK ACCESS!
Product: Checking or savings account

I have been trying to open a new bank account. However, when I try, the banks systems show that I owe Chemical Bank money. When I contacted Chemical Bank ( now Huntington Bank ), they do not have any records other than my name and that I once had an account with Chemical Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on 'XXXX XXXX and other soft draw agencies. Went through BBB And XXXX just gave me the soft shoe shuffle!
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

Found out through XXXX XXXX that a hard inquiry was made regarding a credit card that I never requested.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

My ssn has been compromised!! I was trying to get credit karma on my phone and I believe I was hacked!! Please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX has 2 unauthorized credit inquiries on my XXXX credit report. I did not authorize these inquiries.
Product: Checking or savings account

I went into a Citibank branch to withdraw some money and was told I had a negative balance, my account had been locked and my XX/XX/XXXX Social Security check had been seized to pay down the balance. My ss check is a direct deposit. 

I have tried working with the branch managers in two branches to no avail. They just restate the problem. My problem, of course, is that I have NO MONEY. that ss check is my monthly paycheck and I am a senior citizen with no money ... O feel as if I have been ROBBED! 

I began emailing the CEO OF citibank to explain not only that her bank is out of compliance with a Federal rule prohibiting the seizure of ss checks that have been direct deposited but also every single person at Citibank has not had a clue what to do and tells me there's nothing they can do! I've tried to explain what Citi has done is illegal and I need my money back to live and the branch managers all look at me like deer in the headlights. One even said to me, " You'll figure it out! '' The CEO forwarded my email to an Executive Response Unit who read out of the CLIENT MANUAL like a ROBOT! 

i asked him if he knew about the rule that says in part that direct deposited ss checks are protected and the bank can not seize them! 

He told me that he was reading out of Citi 's CLIENT MANUAL and asked if I would like a copy!!! I emailed the CEO to close the loop so far and that her bank is out of compliance! 

Haven't heard peep since! 

I need help. Citibank is terrible. I have changed my direct deposit designation to Social Security 's bank ( A XXXX XXXX Card ). I started with that when I first got ss and I wish I had never heard the name " Citibank. '' They are dishonest and rude!
Product: Mortgage

Nationstar Mortgage company had scheduled a home inspection on XXXX XXXX 2016, the mortgage companies representative fail to come for the home inspection. Therefore I sent a letter via fax to have the funds released. Now the mortgage company is stating that I need to reschedule the inspection. Why when they failed to show up for the inspection and to top it off MY ACCOUNT WILLED BE BILLED FOR THE INSPECTION. Several times I have requested information stating why I am to pay for the inspection when Nation Star is requesting the inspection they have yet to send me any correspondence. They refuse to release the remaining funds so the contractor can get paid. PLEASE HELP ME NAIONSTAR MORTGAGE COMPANY IS GIVING ME THE RUN AROUND.
Product: Vehicle loan or lease

On XX/XX/27 Regional Acceptance used my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of Regional Acceptance I the consumer and natural person, was denied credit by Regional Acceptance. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. XXXX XXXX XXXXXXXX XXXX XXXX are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by XXXX XXXX  XXXX XXXX XXXX due to the response I received. XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Product: Mortgage

CrossCounty mortgage refuses to provide me with a loan estimate until I provide them with a signed purchase contract. 

On XX/XX/2020, I spoke with XXXX XXXX of CrossCountry Mortgage who identified himself as working with loan officer XXXX XXXX XXXX ID # XXXX at CrossCountry mortgage. After a brief phone conversation, I was directed to fill out a mortgage loan application on their website, which I completed, along with extensive documentation regarding assets and income, on the same day. On XX/XX/XXXX, I received an email from XXXX to tell me that I had been pre-approved for a mortgage. Attached to email was a letter signed by XXXX stating that my credit, assets, and income were reviewed. I also received a notification from XXXX  that CrossCountry performed a credit check on XX/XX/XXXX. 

On XX/XX/2020, I sent an email to XXXX and XXXX requesting a loan estimate. In my request, I included the property address, property value, loan amount, as well as an estimate of other fees, including HOA and homeowners insurance premiums. 

XXXX responded that CrossCountry is unable to provide a mortgage estimate without a purchase contract. This is despite CrossCountry reviewing my mortgage application and me providing them with all of the details they would need to provide me with an accurate loan estimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filled out a dispute with equifax for almost all the accounts on my credit report. I had my social security card and license stolen some years ago and the people stole my identity and I was a victim of fraud. I tried to tell XXXX that these accounts were not mine but they lowered my credit score even more bc these were not paid. I demand that these be taken off my report or I will have no choice but to file a complaint in court against them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek redress for these violations.
Product: Debt collection

Company sent information about debt to wrong address. I was never notified and when I checked my credit saw they were on my report. Contact them to pay off and they have a pending lawsuit but I was never given a chance to dispute or pay before lawsuit was filed. When I tried to pay they now demand attorney fees in the amount of {$600.00} when the debt was only {$640.00}.