23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

i was pursued by fraud posing as XXXX from my XXXX offering me a job. i was told i got the job and received funds to buy supplies i would need for the XXXX XXXXXXXX XXXXXXXX XXXX. i was provided with ( false ) checks of amounts, {$2200.00} & {$2500.00} which i deposited into my bank ( Chase bank ) and my bank showed as if the money was deposited into my account within a day or two. trusting that i had already received the money, as my bank account had shown, i XXXX  the money received to " vendor '' provided from " boss '' to receive my supplies. after i had already sent the money, a few days later, my bank account shows " hold on funds : altered check '' i went to go ask my bank what had happened and they explained that what happened to me was a fraud and the check was false so the corresponding bank never released the funds. i asked why the funds had been shown as available and as part of my account if it hadn't been released and the bank employee just said that is what the bank does, it shows you that the fund is available although it is still being processed and that it isn't there fault but i believe it is entirely their fault because i only trusted that the money was already available to me so i went forth with my transactions. not only did they say they couldn't get my money back to me but they said they would close my account with the term that i was trying to commit fraud by trying to deposit fraudulent checks. how am i supposed to know that the funds that show available in my account are not actually available, i demand my money back.
Product: Credit card or prepaid card

Hi, During the months XXXX, XXXX and XX/XX/2015, I experienced severe financial hardship and was unable to pay my credit card. I had been paying on time as seen in the attachment from my credit report. I was using this secured credit card to build my credit. When I had the opportunity of making a payment it was too late for Capital One as they canceled my credit card and applied the security deposit to cover what I owed them at the time. 

I have since opened another secured credit card with XXXX and they returned me the deposit after some months as I was paying on time. I hadn't missed a single payment on my credit report before the three missed payments with Capital One and I haven't missed a payment since then as well. I am writing this complaint because I have become a responsible individual but these missed payments affect my credit score still in a significant way. I have made several complaints for them to help me with dropping those from my credit report but have always received a negative response, that is why I'm looking for help with CFPB. 

Thank you for your reponse XXXX XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is for equifax. they will not remove anything from my credit report without a copy of my driver 's license and social security card. so i am going to upload them along with a copy of ftc id theft report and police report. so that they can remove the requested items from my credit report. otherwise they told me they cant remove them without the required documentation
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  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: Money transfer, virtual currency, or money service

XXXX XXXX around XXXXXXXX XXXX my phone was stolen. Same day same time I had XXXX unathorized transactions occur. XXXX payments equaling XXXX through XXXX XXXX. XXXX payment equaling XXXX through chimes pay anyone feature. All unauthorized by me. I filled dispute for the XXXX XXXX XXXX transfers on XX/XX/XXXX, and received temporary credit. Fast forward to today XX/XX/XXXX I finally received my approval for the dispute. My XXXX dispute for the XXXX transaction of XXXX $ through chimes  pay anyone feature keeps receiving decline after decline. They say theres was no error found. I keep filling rebuttal after rebuttal. Providing new documents. Even police reports. Still receiving denial after denial. Theres clear evidence that this wasnt me. If they did a real investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX has placed an inquiry on my credit. I have disputed this Inquiry with the XXXX XXXXXXXX and equifax credit agengies but it has came back as verified on only on equifax. All other credit agencies such as XXXX and XXXX has deleted as they should have. this is not my inquiry. I've requested that the creditor send me the original contract to prove this inquiry to be mine. the XXXX from XXXX executie office reponded by phone on XX/XX/XXXX twice phone call at XXXX and also another at XXXX on the same days stated they do not have this information. If they do not have this information then why is this being reported on my credit? this is fraud. will need to be removed. Equifax has refused to delete it as of XX/XX/XXXX, this morning they claim it has came back as verified. I filing a complaint with CFPB because XXXX XXXX XXXX Executive Office responded verifiying that they do not have proof! I have not been supplied anything from equifax on how they have validated this when the company has stated that they DO NOT have proof. Equifax supply proof of or the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt/inquiry, nor therefore any such debt/inquiry, in fact exists. This is holding me back from moving forward in life. In no way can this debt/inquiry be mine. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Checking or savings account

On XX/XX/2019, I filled out an application to have my IRA transferred from Citi Personal Wealth Management to Citibank Retirement Services. It has been six weeks and the funds still have not been deposited into my account. I have lost approximately {$570.00} of interest. Since these two institutions are one in the same, it should not take six weeks.
Product: Bank account or service

COMMERCIAL AFFIDAVIT OF TRUTH XX/XX/2017 1 ) Bank of America can not varify or show validity of alleged debt 2 ) Bank of America can not show a valid current contract with me including my wet blue ink signature 3 ) Bank of America failed to respond to my complaint with a VALID response 4 ) Bank of America failed to show tangible evidence that there is a current contract 5 ) Bank of America rules and regulations do not apply to me, I never knowingly or willingly signed a contract with them for life. 
6 ) Bank of America is willfully and with intention violating my rights and comitting crimes along with felony violations of the USC, United States Code & gt ; federal law, 7 ) Bank of America has admitted to closing the account on their response to me, but still persists in criminal activity, 7 years has passed. 
8 ) Bank of America has violated florida statute 817.568 and is using my personal and private information without my consent which is a second degree felony 9 ) Bank of America has violated title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. using fictitious names which is another felony and owes me XXXX dollars, for that violation I have shown the evidence crystal clear!!! 
10 ) Bank of America is a felony criminal with a major criminal history of mortgage fraud among other frauds, its all over google!!! these are proven miscreants!!! 
11 ) Bank of America can not prove anything, they are liars and deceivers, they refuse to answer my questions and talk like bill clinton with XXXX avoiding the subject, and not giving any valid answer with clarity 12 ) Bank of America threatened me with extortion by stating they may use XXXX to make a bad report on me, this is a violation of my privacy also giving out my personal and private information without my consent, from XXXX, florida state ZIP EXEMPT XXXX VERIFICATION The undersigned Affiant hereby certify, under penalty of perjury, under the laws of the United States of America, and pursuant to 28 USC 1746 ( 1 ), that the above COMMERCIAL AFFIDAVIT OF TRUTH is true and correct, to the best of their knowledge, current information, and belief, so help me XXXX. \ Florida state , XXXX On the XX/XX/2017, XXXX, before me proved to me on the basis of satisfactory evidence to be the man whose name is subscribed to the within instrument passport & certificate of live birth, and acknowledged to me that He executed the same in His authorized capacity, and that by His signature on this instrument is the man, WITNESSED by my hand and official seal. 

By typing my name electronicly this is my signature for this affidavit, and I will be sending in a hard copy notarized, respondent to respondent must respond within 14 days signed ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting an inaccurate listing of Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX has a collection for {$420.00}. I canceled them because they were too high and I got XXXX I have contacted both but its still on my credit report. I disputed and they dont investigate. They always believe the perpetrators.
Product: Mortgage

First, when my mortgage was first transferred to XXXX from another company it they cashed the first check but did not credit it to my account because I had originally paid the first mortgage company. This is my legal right to pay the old company within a certain number of days of the transfer of service. Second, when my mortgage was transferred to a new company XXXX Loancare stopped my automatic payment prior to notification. Also, they stopped it well before the allowable limit of how long I can still legally pay XXXX Loancare. When I finally found out, I was over a month behind on my payment with the new mortgage company. Luckily they did not charge a late fee. Also they conveniently backdated the letter that they sent me. Lastly, I have not received my tax statement for XXXX. This is normally not a big deal since I could typically go online and check the statement but they have disbanded my online account for some odd reason. Now they wo n't reply to my emails. The tax statement should have been provided to me prior to XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SIX ( 6 ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX ) ( NUMBER XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to a CSR around XX/XX/2017 about spreading my payment out over a year because I needed to do major repair on my car and the rep and I kinda went back and forth about how to handle making the payment I wanted to be sure that I won't be reported late and she did let me know it wasnt in the contract to do that what she could do is allow me to spread the payment but what she didnt warn me of that my payment would be reported late every month until I paid all the money I owed, so 4 months later and I'm still being reported late. I made the last payment on XX/XX/XXXX that made me current on all payments and then on XX/XX/XXXX I received a notice from TransUnion saying I was 30 days late again I really need this to be resolved I'm also in the process of buying a home so your help is greatly needed and I have proof of all payments and, I also need to make it clear that up until this time I've never missed a payment and if I had known that it would be reported late I would have agreed to this atrocity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got approved for a loan for Solar installation from XXXX XXXX, via Maryland-based XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. I completed all the paperwork and have been waiting for installation that's been scheduled for XX/XX/XXXX I received an email from XXXX XXXX on XX/XX/XXXX, stating that they have cancelled my loan. I called the company on XX/XX/XXXX and spoke to someone who identified themself as XXXX. She gave me the following reasons why the loan was cancelled : Documents not signed Proof of ownership verified on XX/XX/XXXX Insufficient credit history Inactivity on the account After each reason, I explained how that did not make sense since that reason did not apply - and explained why and provided the evidence. XXXX then said I have to wait for a letter they mailed to me. I explained that I needed to know now what was happening as my installation is fast approaching. I asked to speak to a manager and she hang up. 

I finally got the letter electronically on Wednesday, XX/XX/XXXX, and it states the loan is cancelled because of insufficient credit history. This is interesting given the loan was approved with my same credit history and a lower credit score back in XX/XX/XXXX. 

At no point before the cancelation notice did I receive any request for from XXXX  or XXXX XXXX XXXX for additional documents or information that I failed to provide. XXXX  's decision to cancel the loan feels off and discriminatory. The reason they provide makes no sense. Please look into this for me. Attached is a copy of my contract with them. Thank you.
Product: Credit reporting or other personal consumer reports

I have summitted several disputes to all 3 major credit reporting bureaus ( XXXX/Equifax/XXXX ) in regards to my XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notifications stating the account has either been updated or verified as accurate. To date XXXX reports a high balance of {$2100.00}. XXXX is reporting a high balance of {$0.00}. Equifax is reporting a high balance of {$3000.00}. XXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXX is reporting date of last activity as XX/XX/XXXXXXXX Equifax is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting this account is STILL OPEN!! but its charged off???? XXXX and XXXX are reporting date of last payment as XX/XX/XXXX. Equifax is reporting date of last payment as XX/XX/XXXXXXXX XXXX reports no payment history at all. How is this account charged off if its reporting OPEN? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? If one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.
Product: Debt collection

My wife contacted this company. They asked for my account number which she provided. They then verified the year I was born and proceeded to provide her with all information on my account. I have never given them permission to speak with her and they never verified my ssn or any other identifying information even after she told them I had never been treated at the hospital they were collecting for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am trying to get a secret clearance. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i file dispute with all three credit bureaus I have yet to receive anything from them. There has been enough time to reply to my request.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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 XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Consumer Loan

For this loan I ca n't access any of my information also they wo n't send me copy of my agreement