23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I apply for a job and they did a background check on me through First Advantage, when the report came back, it shows I did a crime and shows I was guility of it back I have never committed a crime, I should have a clean background cause like I say I have never committed a crime and this has happen often. that 's why job cant hired me because of my background check stating some kind of felony that I did n't committed. I need help. Also it says I lived somewhere I have never been before,
Product: Payday loan, title loan, personal loan, or advance loan

My lender ( Goodleap ) was making advanced payments to my XXXX ( XXXX XXXX ) before work was completed, permits taken, inspections passed, and XXXX. My lender also did not do their due diligence PRIOR to paying the XXXX. 
There were many violations that XXXX XXXX violated and were obvious to GoodLeap. I spoke with GoodLeap several times informing them that the inspection was not completed and for them not to pay until the final inspection was completed. XXXX XXXX came out and installed the panels, took pictures of the installation, sent the pictures over to GoodLeap for final payment, and then removed the panels for inspection, but never returned to reinstall them. GoodLeap ignored me and paid XXXX XXXX anyway and now they are filing bankruptcy, and I am stuck with having to hire someone else to install the panels, but I am still making monthly payments to XXXX for a job that was not completed. I also have requested documents to be sent to me on my complete file, proof of installation meeting each milestone ( per loan contract ), and any documentation permitting GoodLeap to pay XXXX XXXX in advance without my consent.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I tried to purchase XXXX from Blockchain. My purchase was for {$1200.00}. I had used them before without any problems. I received an email from them saying they thought my purchase was fraud. Same bank I used before. Nothing different from previous purchases. So I wrote back including my picture and personal information asking them just to release my money back to my bank. They still have my money. I have contacted them 7 times and sent my picture and the information they requested twice. I get nothing but their standard reply to complaints. 27 days is a ridiculous amount of time to wait especially since I did nothing wrong in the first place. 
I was given 3 different ticket numbers. 
XXXX, XXXX and XXXX
Product: Debt collection

I have been receiving calls from this company for over two years. I do not know the person they are trying to call. I have told them it is a wrong number, but they disconnect the call and call again. When I ask for a supervisor, I am put on hold for over 30 minutes then disconnected. They have refused to remove my number from this account.
Product: Credit reporting or other personal consumer reports

I have a PenFed checking account that I opened and have never used. Today I checked my credit report and noticed that there are three hard inquiries on my report from PenFed. Ive never contacted this company for a loan or line of credit. These inquiries are violating my right to accurate reporting. These inquiries must be deleted as they were not done by me. PenFed can place a security alert on the account if needed as I did not apply for credit from them. 

Acct # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 or other personal consumer reports

There is a BANKRUPTCY in my credit report that don't belong to me. I repeat! There is a BANKRUPTCY in my credit report that don't belong to me. Why do I need to send a copy of my ID?! They're all attached here on the complaint. Stop sending those STALL LETTERS please. I need these BANKRUPTCY off my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Checking or savings account

XXXX owed my boyfriend money for a purchase. He called customer service to get it resolved and they made him download an app to prove his identity to send the funds. He spoke with multiple managers to confirm this direction. It didnt work so he asked me to help. They reassured me it would just be a hold on the account and they wouldnt actually take my money. I knew in my gut it was weird and wrong, but my boyfriend was pressuring me to help because he wanted to get the money back he was owed. I sent them {XXXX} via XXXX and of course it went through, but they were unable to return the money to me. They kept asking me to download another cash app or share my credit card info and by now I knew it was a scam so I refused. Chase has a policy against refunding incorrect XXXX  payments. I understand this policy, but Id think if youre victim to a scam theyd be able to assist. Unfortunately, that is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX 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 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 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: Checking or savings account

XXXX XXXX XXXX closed my mother 's accounts and has not appropriately sent her the money or made them available via the escheatment process. The funds should never have been escheated. Northern Trust was calling me to obtain personal information. Due to potential fraud my daughters have advised her to never answer personal questions and to ask for everything in writing. They did not send a letter until XX/XX/2020 and said they were escheating my funds on XX/XX/XXXX. By the time I received this I had only XXXX business days to respond and I do not feel comfortable responding - my daughters take care of all my bills. By the time we could call they said it was too late and they escheated the funds. They have been unable to show that they followed the proper escheatment process. It has been months and the money is not on our State Treasurer unclaimed funds. Please note this was all pre-COVID. They are being extremely difficult - customer service is not giving us answers and say they will call but they do not follow through. Their treatment of a senior citizen is shameful. I would be wary of investing with them, it is not an ethical organization.
Product: Credit reporting or other personal consumer reports

REQUESTING A DELETE XXXX  DELETE XXXX  DELETE My credit report is reporting inaccurate information in violation of the following FCRA reporting requirements for CRA Reinvestigation of Disputed Information ( 1681i ( a ) ) Initiating a Dispute : If a consumer disputes the accuracy of information on their credit report, the credit reporting agency must investigate the dispute, generally within 30 days from receiving notice of the dispute.

Prompt Notice to Furnishers of Information : The credit reporting agency must notify the entity that provided the disputed information ( the furnisher, such as a creditor or lender ) about the dispute. 
Correction or Deletion : If the investigation finds that the disputed information is inaccurate, incomplete, or unverifiable, the credit reporting agency must correct or delete the information. 
Extension of Time : The agency may extend the reinvestigation period by an additional 15 days if the consumer provides relevant information during the 30-day investigation period.

AND 1681s2. Responsibilities of furnishers of information to consumer reporting agencies By reporting the following information XXXX XXXX XXXX  # XXXX XXXX. Last payment reporting XXXXXX/XX/XXXX, but is inconsistent with what is being reported in the " Rating section of the payment history ''. 
XXXX. Date closed being reported as XXXX However, there still seems to be ongoing activity on the accounts throughout the following year, up until XX/XX/XXXX. 
XXXX. Pay status says " Was paid as agreed '', but is this is not consistent with what is being reported in the payment history section XXXX. Payment History " Rating '' is reporting inaccurate information XX/XX/XXXX ( 60 days late ) ; XX/XX/XXXX ( 60 days late ) ; XX/XX/XXXX ( 120 days late ), XX/XX/XXXX ( 60 days late ) ; XX/XX/XXXX ( 90 days late ). This is inaccurate reporting. DELETE. 

The information in my Transunion File disclosure is inaccurate and Transunion is furnishing this inaccurate information to 3rd party credit monitoring agencies such as " XXXX XXXX  '' This is a FCRA Violation of SEE ATTACHMENT FOR VISUAL EVIDENCE
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX , HI XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Ally Financial - CARES Act places special requirements on companies that report to credit reporting agencies if they provide payment relief due to coronavirus. I was provided payment relief from Ally Financial do to covid-19. The CARES Act law states that companies are not suppose to report late payments do to the coronavirus.
Product: Credit card or prepaid card

Capital One has on record from XXXX XXXX when I was robbed and identity got stolen more than once. Everyim I pay off the balances there were more pending charges that just exploded and I could not keep up. I talked to capital one many times and they have bank records and legal records of my continuing problem oh ID theft from XXXX XXXX to now. Capital one is the only credit company that is taking this unfortunate event and destroying my life and credit by reporting the fraud activities on my report even though they have police and bank records to proof that my account were all simultaneously hijacked and I was helpless. I need help and capital one is blocking my accesss to let 3rd party representations have access to my account records for review. I need help.
Product: Payday loan, title loan, or personal loan

I called today ( XX/XX/XXXX ) to request a pay off amount for Thurs ( XX/XX/XXXX ). My balance is about {$6000.00}, and was told my payoff amount would be {$6600.00}. This seemed like a really high amount, but one main financial said it was due to interest on the loan for the whole month. I asked for clarification as to why it was so high, as almost {$600.00} seems like a lot for two days worth of interest. I was given the Run around trying to speak.to a member of management, only to be told it's due to a returned payment back in XXXX of XXXX. Not only was I not informed of the returned payment, thus unable to rectify the situation in a timely manner, but I was completely unaware that it would cause my payoff amount to increase by almost {$600.00}. Additionally I had reached out to OMF for other reasons since, which would have been a fine time to bring it up. So I'm left here confused and feeling totally ripped off and blind sided by this extra expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my XXXX XXXX, Equifax and XXXX credit report, are all fraudulent : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX
Product: Mortgage

I have a 30-year fixed loan with MLD Mortgage Inc since XXXX 2015 with XXXX % down for a single-family house. A few months ago I was calling and emailing their customer service to get quote in order to remove my PMI. First they said I can not remove my PMI for my loan with them is less than XXXX years. I read some online forums and knew that as long as I can make LTV as XXXX %, my PMI should be automatically removed. I gave them my second call, and presented the info I read online, they told me that I should be able to do so as long as LTV is XXXX %, but to get an quote I need to put it in a formal request by using their online form and email it, which I did. Two weeks later, I got a letter saying that PMI can be removed only if it is XXXX-XXXX family residence or for commercial use and LTV reached XXXX % ; and to remove PMI on single-family house, my loan has to be with them for two years and LTV has to be XXXX %. I was very upset by the letter and called them again. They said I can remove PMI as long as LTV is XXXX %. So I made some payments recently to make my PMI reached XXXX % now.I noticed today as I checked my statement online I am still charged for PMI. I just called them, and could n't believe they brought up the same trick about have-to-be at least two years having loan with them in order to remove PMI. I just told them I am done with them and will refinance using other companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan shows on my XXXX Credit Report that I filed for chapter XXXX. On XX/XX/XXXX. They also show on my XXXX   Report that my mortgage was included in a wage earner plan. My mortgage was reaffirmed with XXXX XXXX in XX/XX/XXXX when I filed chapter XXXX. I have always paid my mortgage directly to XXXX XXXX and when sold to Rushmore. My bankruptcy was discharged on XX/XX/XXXX I did not file for bankruptcy on that date as reported by Rushmore. Also my mortgage loan was paid in full in XX/XX/XXXX
Product: Checking or savings account

There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than 3months, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the XXXX week of XXXX, but I didnt get any offer or feedback from CITI XXXX 
After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. 
After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. 
However, I never got any feedback from CITI, and when I called last time which is 2 weeks ago, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives everytime I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. 
They couldnt told me what kind of code was missing because they didnt know, either. 
This does not make sense at all, and I can not believe how CITI bank scammed customers.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax data breach below in the attachments provided.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX. They did not provide me with the orginial application like I asked.I demand this account be removed from my credit report ASAP
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Debt collection

Transworld Systems Inc., sent a collection notice of an overpayment from FL. XXXX, ( Unemployment ). # 1, they had wrong address, ( no Apt . # ) so I received this I do n't no how late. # 2, my main complaint, I called the number on the envelope ( XXXX ). I was finally told they did n't have my account number, which was on the letter in their system and call ( XXXX ) after 10 minutes, I was told to call ( XXXX ), after a couple of sales pitches, I was again told it was n't in the system, ( mind you, I am only trying to pay a debt! ), I finally got in touch with an associate, that found it, but ... ...., was told I had to call, you got it, ( XXXX! ). I tried this circle again, and after over an hour got nowhere.
Product: Credit reporting

These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to " XXXX '' a XXXX agency/company which sense it to the all three credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Date : XXXX Investigation Request Letter To Whom It May Concern : I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. Please note that these accounts are still inaccurate and your company is continuing to report these erroneous errors. It is my understanding that you should be in receipt of the following documents : 1. Original contract with the wet signature 2. Name 3. Address 4. Phone number 5. Proof of ownership of debt and their right to collect on it 6. Break down of the billing and payment history Therefore, your company shouldnt have a problem with providing me with the information listed above to prove the validity of these accounts. 
ACCOUNT NAME : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS THE 3RD ATTEMPT TO GET THE REQUESTED DOCUMENT THAT I REFRENCED ABOVE. I WILL BE FORWARDING A COPY OF THIS REQUEST TO THE CFPB AS WELL. 

The above listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692.

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 : States : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 ( c ) States : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt.

If you cant produce these documents, Im requesting these accounts to be removed immediately, unless you want to be held to {$1000.00} per violation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a few card terminated that I was authorized user on a while back. I was told all these terminated accounts Transunion and any other credit reporting agency 's would take off. Here the following accounts I would like removed from my credit report as promised. 

I have 3 XXXX cards all 8+ years all terminated would like that off A XXXX card that was opened on XX/XX/XXXX & another one opened XX/XX/XXXX A XXXX  XXXX card with a credit limit of {$7500.00} & another one with a {$10000.00} limit XXXX  XXXX opened on XX/XX/XXXX. 

These cards some were an ex bf 's and some were my mother 's I just don't want anything to do with them off my credit report as I am trying to build good credit and do not need or want there help. Thank you