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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents detailing where my consumer rights are being violated by this company XXXX. The company has sold this alleged account to a debt collector XXXX XXXX, after several inaccuate reporting found on this account it has been removed from my consumer report but XXXX is still reporting the account as derogatory on my consumer report. How can a company sell a debt and still report the debt as active to the credit reporting agencies? This a clear violation of 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c 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 with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap!!

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE XXXX  Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX BANK XXXX violated my rights 15 u.s.c. 1681 section 602 a .states i have the right to privacy 115 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. 166 b a creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Checking or savings account

XXXX Office of the Attorney General put a levy on my checking account on XX/XX/18 without any notice, I called and spoke to them and they verified that it was done by mistake and sent a release by fax to Bank of America. This has left me with XXXX money for food or gas for 2 days now and they are saying it can take an additional 5 days. Bank of America and Child support did not offer any help, they simply did not care that this can hold my funds and my incoming direct deposit. On top of the Levy I am getting charged a legal fee of {$120.00} and {$44.00} by bank of america, adding additional insult to my situation, I want these fees refunded immediately and the levy removed. I am also a military veteran and single father of XXXX small kids, ages XXXX and XXXX. Since I am not getting help from Bank of America and the error caused by child support I am contacting media to help me feed my children for the next couple of days that my bank account is overdrawn by {$850.00} dollars. I am also a decorated XXXX XXXX who was XXXX overseas. I plan to sit down with the news media and explained how Bank of America doesnt care about the military and would be ok leaving me and my children without any money. This has caused emotional stress on me and my children.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX 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: Money transfer, virtual currency, or money service

I sent money overseas and the money that was suppose to be received was not the amount. They took over $ XXXX dollars in fees.
Product: Checking or savings account

US Bank has been deploying unethical practices in the way it interacts with consumers. In my case, I serve on the board of a non-profit that has a banking relationship with US Bank. We were told our account wouldn't have any fees, but it did so we requested to close our account. We followed their instructions and submitted the written request to close our accounts back in XXXX of XXXX. I've called in more than 8 times over the last 3 months to get updates because they never respond via the email they instructed we send the notification to. During this time they've continued to charge fees. I call in again and they ask me to send the same form, which I comply and send again ( I've sent the form 3 or 4 times now ). After 3 months I finally get a response to my email saying they can't close my account because I've requested the fees be refunded and I need to call on that. Interestingly enough, I had already called on that, but they didn't say I had to call a separate department to make that request as well. They're continuing to use delay tactics and charge fees. As of today the account is still not closed.
Product: Checking or savings account

As of today XXXX XXXX, Wells Fargo Bank continues to retaliate against me and harasses me almost in daily basis. For instance but not limited to and from a recent incident Wells Fargo bank engaged unlawfully in invading my privacy. every harassment is recorded and it will be brought to court. Unfortunately, my tolerant efforts following role of law and due process to stop this companys reckless targeting, coercing, revenging, retaliating, discriminating, abusing, threatening, harassing, conspiring and blacklisting against now will be more public and in a court of law which this Company forced me to take them to.I am suing Wells Fargo Bank without waiving my rights and all stated herein is true and all herein is to my current states belief, knowledge and understanding and is subject to any change or correction of any kind at any time by me, the complainant, only or my representative without waiving my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Product: Credit card or prepaid card

On XX/XX/22 I received an email from Goldman-Sachs saying I could add a family member to my credit card account. When the family member then used the card for a purchase, they would receive {$100.00} in XXXX XXXX, as this is an Apple Card credit card. I added my husband to the account. He made his first purchase on XX/XX/22. We received {$0.00} in XXXX XXXX as the 2 % earned from the purchase, but never received the {$100.00}. My husband and I have text and called tech support numerous times. We were first told we didn't qualify for the promotion. When I reread the email I received out loud to them, they agreed we did qualify. At that point they said we only qualified {$50.00}. I again reread the email to them, where it stated nothing about {$50.00}, only {$100.00}. They agreed that it was supposed to be {$100.00} and we did actually qualify. They said to wait a few more days and it would be in the account. After another week, I reached out again and was told the same thing as the first time, I reread the email several times and was told to wait a few more days. When we didn't receive it again, I reached out again and I opened a dispute. I was told it would be XXXX business days before I heard something. After 5 business days I called and was told the dispute was closed because the money had been paid out, even though we hadn't received it. At this point, they sent us over to Apple Support to have them look at our account. Apple Support did a full review of the issue and came back saying it was an issue on Goldman Sachs end. They called Goldman Sachs with us on the line and told Goldman Sachs it was not an issue with our accounts or the Apple system, but it was an issue with Goldman Sachs. The representative at Goldman Sachs said she could see the promotion had been paid out, but for whatever reason hadn't been put in the actual Apple Cash account. At that point, Goldman Sachs opened a tech ticket. This morning I received an email saying the ticket had been resolved and they had been trying to reach us. We never received a call. I called the number on the email and was told a tech ticket was never opened. I offered to give them the case number for the tech ticket and was told there was no way to look the number up in their system in that department. I asked to be put through to a department that could look it up and was put through to a supervisor. The supervisor said the cash had been paid out, she couldn't see a tech ticket, and she couldn't look up a tech ticket case number. She connected me back to Apple Support and hung up. We still have not received the promotional money. Goldman Sachs is the only one who can see this supposedly paid out transaction. At this point we have opened a dispute, an Apple Support ticket, a Goldman Sachs tech ticket, and not a XXXX XXXX  ( the company that handles Apple XXXX XXXX ) support ticket. The other companies continue to say it is a Goldman Sachs issue, yet Goldman Sachs refuses to pay out the promotional credit. I even said we'd take it as a credit on our bill, but they have refused.
Product: Mortgage

I purchased my home in XX/XX/XXXX for {$100000.00}, with a loan amount of {$98000.00}. Shortly after closing, I encountered financial hardship and proactively sought a mortgage modification from my servicing company, XXXX XXXX XXXX ( XXXX ). Despite my timely approach, I was erroneously informed that I did not qualify due to my mortgage being current. Advised to skip payments to initiate the modification process, I endured significant hardships. 

The process of modification proved tortuously protracted, with XXXX taking over a year to commence active review, during which time my loan was erroneously referred to foreclosure, incurring unjustifiable fees. It took XXXX/Wells Fargo almost three years to finalize the modification, during which I incurred exorbitant fees and accrued capitalized interest totaling {$24000.00}, significantly inflating my principal loan balance from {$98000.00} to {$130000.00}. 

Consequently, my loan balance has exceeded my home 's value since modification, thwarting my ability to refinance or sell my home, perpetuating my financial distress. Despite attempts to capitalize on the housing boom during XXXX, I have been thwarted by the disparity between my outstanding balance and my home 's market value. 

These egregious errors and delays not only exhibit negligence but also border on criminality, necessitating urgent redress. My predicament underscores the urgent need for accountability and corrective measures to rectify the gross mishandling of my mortgage modification. My application for mortgage modification languished far beyond the duration of my initial financial hardship, which lasted a mere three months. Despite my proactive approach to seeking assistance before my mortgage became delinquent or faced foreclosure, the modification process inflicted undue strain, ultimately compelling my husband and me to file for bankruptcy to stave off foreclosure. 

It's crucial to underscore that all foreclosure fees incurred were a direct consequence of XXXX XXXX XXXXXXXX XXXX ( XXXX ) failure to promptly process my application, and the excessive capitalized interest accrued was likewise a result of XXXXXXXX XXXX delays. These errors not only precipitated financial turmoil but also had cascading effects on my credit score, necessitating bankruptcy filing and leading to increased rates on credit cards and auto loans. 

The Emergency Economic Stabilization Act of XXXX, which birthed the Troubled Asset Relief Program ( TARP ) and subsequently the Home Affordable Modification Program ( HAMP ), aimed to provide financial support to banks and incentivize successful homeowner assistance programs during the economic downturn. XXXX XXXX egregious mishandling of my case stands in stark contrast to the intent of such programs, underscoring the urgent need for accountability and redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

the report says unable to fetch my identity or credit score. please include me in the registry
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found these fraudulent inquiry on my credit report. Please remove the fraudulent inquiries for my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate.
Product: Credit card or prepaid card

I added an authorized user to my account on XX/XX/2022. Because I monitored the spending by spending by getting emails Sent to me letting me know when a purchase was made this was made unfortunately the company did not have where they can send me text alerts. I called on XX/XX/XXXX spoke to an agent requested that my credit limit from {$1000.00} Be decrease to {$500.00} she stated that I needed to bring the balance under that to decrease I did exactly what was told had my account decreased and advised for no authorization for any credit increases. On XX/XX/XXXX the authorized user had rented a car from XXXX they held {$520.00} at that time. On XX/XX/XXXX I also locked the authorized user 's card so he could no longer make any purchases. When I paid off the balance of {$490.00} to bring my card balance to XXXX On XXXX the XXXX. I was told by XXXX from XX/XX/XXXX they requested a {$130.00} they were declined from XX/XX/XXXX until XXXX the XXXX after that on XXXX the XXXX XXXX XXXX pay them XXXX How did that happen I only had a {$500.00} credit limit that is 7 times over the allowed amount. I need this resolved. No one can explain why they paid them that after declining them a XXXX on up till you get to XXXX and then you pay them and please help
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill is legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate on my credit report.leaving inaccurate or unverified account unresolved the consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcome these failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit corrective a ction to remove or amend the disputed accounts as exprian 's inaction violates federal law and my rights as a consumer
Product: Debt collection

Per phone call, debt paid on XXXX through employer withheld funds. Also paid XX/XX/27 was {$1300.00} paid to the attorney from Michigan XXXX XXXX XXXX. Attorney is holding funds for XXXX days - understandable. But now they're telling me that it's an ADDITIONAL XXXX days until they can release funds. Although they personally verified that both employer and state tax had fulfilled the judgment in full XXXX months ago. Attorney refuses to release funds sooner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i am writing to formally request immediate actions regarding inaccuracies and inconsistent reporting on my credit file, which i believe are violations of the fair credit reporting act ( FCRA ) under law 15 U.S.C 1681i ( a0 and 15 U>S.C 1681a ( d ) ( 1 ). Despite prior disputes, three to be exact the following accounts continue to reflect errors that misrepresent my crediworthiness. heres a list of the accounts in question. 

XXXX XXXX XXXX XXXX XXXX ) three different comments are reported acrosss different bureaus.

b ) the account opening dates are inconsitent. 
c.last payment date and activity date varies across reports. 

potentially violates under 15 U.S.C 1681i ( a ) the credit bureausfailed toconduct a reasonable reinvestiogation after my initail disputes as these inconsistencies persist. 

under 15 U>S.C 1681 ( d ) ( 1 ) the XXXX fails to accurately reflect my creditworthiness and standings i request this account be updated to REMOVED OFF MY REPORT OR UPDATED TO NEVER LATE PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNDER THE FCRA 15 USC 1681i ( a ), 15 USC 1681a ( d ) ( 1 ) the duscrepency show clear violations of the provision as the inaccuracies persist despite prior disputes and reinvestigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as an aggrieved man against XXXX, XXXX and Equifax. I notified them about identity theft and fraud on my credit report. I sent them a fraud alert letter from the federal government, as well as a letter from me asking for certain information pertaining to these fraudulent accounts to be verified, They did not verify the information that I requested. Instead they say that the information is accurate and it is not! XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all fraudulent accounts create without my knowledge and or consent! If they do not contain my wet ink signature and can not be verified without a doubt these accounts are mine, then they are not mine! I demand these accounts be removed off of my credit report or I will contact my state attorney general and senators to rectify this matter!
Product: Debt collection

Citibank was notified many month 's ago that I was a victim of Identity theft. Citibank, Was given an FTC Identity Theft Affidavit, Which clearly explained the crime. I am a victim, not the criminal. Citibank refused to assist with the investigation, even though citibank themselves confirmed that the credit cards they sent out. Went to an Address XXXX XXXX XXXX XXXX XXXX, TX XXXX. Which I have never lived at. Citibank, never provided a response and citibank never investigated nor closed the fraudulent account ( s ).  These were opened by an identity thief using stolen identification documents. Which were in my wallet when they stole my wallet, and then proceeded to use my identifying documents. I reported this to the police, and to the FTC. Which is taking action to find the criminals. However Citibank is now attempting to file a Claim against me in a court of law for a Judgement for Debt that IS NOT MINE. The debt is the same credit card in which citibank was advised was fraudulent. I do not have any accounts, Nor have I ever done business with this banking institution. Per LAW they have to send me confirmation PROVING said debt, if they are attempting a judgement on the fraudulent debt. Again, I never signed any application, I have never received any credit cards from the company at all. I have not received any monetary benefits from said credit cards, bank accounts, nor personal loan or Line of Credit. These are all accounts that CITIBANK ALLOWED TO BE OPENED AND APPLIED FOR, WITHOUT MY CONSENT. The Hard Inquiries, that resulted from these accounts were deleted with the credit bureau, XXXX The Accounts were deleted and blocked from all 4 Credit Bureaus. Yet, Citibank is attempting to collect on the fraudulent debt, KNOWING it was fraudulent debt. I want this company reviewed, as they aren't following the FCRA, They aren't following the FAIR DEBT COLLECTION ACT, They aren't following the laws applicable to the state of Texas. I will report this to the Texas Attorney General as well. This is harassment, they have not even provided me with statements or anything from these accounts. They allowed a Fraudulent Email address XXXX, To OPEN THESE Accounts. I do not have access to their online site because again I DID NOT AUTHORIZE Any Applications, nor accounts with Citibank NA. This is fraudulent debt, and I will not pay said fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item in collections from Credit Control Corporation for the amount of {$XXXX} is inaccurate because I do not have an outstanding balance nor do I owe any money to XXXX XXXX. Furthermore, I have never been contacted or had communication with Credit Control Corporation. I have contacted both XXXX and Credit Control Corporation as well as filed a dispute with all 3 of the Credit Reporting agencies. This was done in 2017. It is still showing on my credit report and has caused adverse action due to the incorrect and I valid collection.
Product: Credit card

I am a victim of identity theft and American Express keeps leaving harassing phone calls.