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

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates the necessity of eliminating any incorrect accounts from my credit report. Could you please review the documents? There are discrepancies noted within the listed accounts regarding their reporting.
Product: Student loan

I have been for the past few months tried to pay off a portion of my student loan debt. 

Within a few days the payment is received and cleared through my bank. Then it is REVERSED by my loan servicer. 

My loan service is Ed Finical. This is a common tactic it appears from other unfortunate customers. They will '' accept '' payment then quickly reverse it until an actual of interest is applied for late payments! 

I can and will happily provided evidence of my attempts to pay for the previously stated months.
Product: Payday loan, title loan, or personal loan

I filled a complaint on the XXXX regarding US Bank not assisting me with my payments, and they slapped on a late fee as retaliation and have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights 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 written instructions
Product: Checking or savings account

U.S. Bank vastly over reported the amount of interest income I received for the XXXX tax year to the IRS and has failed to correct the issue despite repeated my repeated attempts to come to a resolution. On or around XX/XX/XXXX, I contacted U.S. Bank to notify them of the issue and was told an investigation into the situation would be completed and I would be informed of the outcome of the investigation via letter. Rather than investigating, U.S. Bank simply sent me a duplicate copy of the XXXX I had originally received. On XX/XX/XXXX, I called U.S. Bank to follow-up on the issue and spoke with an employee named XXXX at XXXX PM XXXX who told me he was submitted a " CC request form '' and that someone would follow-up with me via phone within 48 hours. No one followed-up with me as promised. It is not XX/XX/XXXX and the deadline for filing taxes is rapidly approaching, and U.S. Bank has been totally unhelpful in correcting the mistake they made on my XXXX.
Product: Mortgage

Dear CFPB, I previously contacts you concerning my loan modification with Nationstar Loan # XXXX. I have provided all the information they have asked for in a timely manner without fail. Even though I have been previously pre approved by HUD representatives and loan officers, Nationstar continue to deny my modification for the same reasons regardless of the increase of my income. 
XXXX/XXXX/2016 I spoke to XXXX XXXX who told me that I was denied on the XXXX due to negative disposable income. ( I had call for an update on the XXXX of XXXX XXXX spoke to XXXX and he said that my modification was still with the underwriter for review and that I should call back the following week ). I am actually was very disappointed that the XXXX XXXX did not inform me with the accurate information about my loan modification status on the XXXX/XXXX/2016. 
XXXX XXXX explained to me that the guidelines they use only uses 75 % of my rental and 80 % of my income to disqualify me. ( My rental income pays the mortgages, tax and insurance expenses with {$1000.00} available after all expenses paid, but their guide lines only uses 75 % and then deduct the mortgage and tax and insurance expenses, which leaves a negative income. They also use only 80 % of my gross income instead of my full income. Later the same day, I call again and spoke to miss XXXX to confirm their calculations, she did but at the end said that I have no option with getting a modification and the only option would be a deed in lieu. I realized that she was trying to intimidate me and scared me as previously done by nationstar employees. Then she tried to justify her statements. I hope it was recorded. XXXX/XXXX/2016 XXXX XXXX called and also told me that my option is to do a deed in lieu. 
Previously, two plus years ago, XXXX and XXXX had given us a modification for our XXXX rentals which are bigger properties with a much larger loan balance. We were only making 25 % OF WHAT WE ARE MAKING NOW but taking all into consideration they have given us a loan modification and we have never been default or late with our payment since. Now this is our principle property and we are making 200 % more than previously stated but Nationstar is using a ridiculous guideline to calculate and disqualify my loan modification. I strongly feel that their company should be investigated thoroughly. I am wondering if it is because of my Name, interracial marriage or just racism. Again, XXXX/XXXX/2016 XXXX XXXX called and harassed me about signing the property over and that I am not qualified for a loan modification. Every day since they have told me that I was denied, when I call or they called, they say that my only option is to sign the property over to them to avoid foreclosure. XXXX XXXX and XXXX were very rude and abusive, tried very hard to break me down. 
Please help me resolve this matter for there are many other homeowners facing the same problems. 
Thank you Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize how this account is reporting on my credit report. I don't recognize the account number, I don't recognize the account status, I don't recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here doesn't meet the FCRA. 

15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent noncompliance 15 USC code 1681e compliance procedures
Product: Credit card

Today XXXX XXXX XXXX XXXX XXXX  a phone call came in three different times supposedly from Chase Bank ( XXXX XXXX XXXX XXXX XXXX XXXX  stating that I opened a credit card and they stated my zip code and the last four digits of my Social Security number. They stated that a purchase has been made for XXXX XXXX  ; they further stated that I just opened this account. 

I stated that I do not have a Chase Bank credit card. They wanted to transfer me their fraud department. I did not take their advice and instead am making a fraud claim. 

What do I do now?
Product: Checking or savings account

Greetings from XXXX. 

{$8200.00} deducted from my Bank of America Account ( XXXX ) onXX/XX/2023 without my consent, Matter escalated to Bank of America and they said they can not do anything about it despite transaction was in process. 

Feel free to contact me at XXXX XXXX XXXX XXXX Thanks
Product: Credit reporting or other personal consumer reports

I requested previously that the previous addresses on my account be removed. The issue has not been resolved.
Product: Credit card

I have 2 Bank of America credit cards for 2 years and 7 months. I have never missed payments with either of them and always pay my full balance off every month on the due date. I haven't used one of the credit cards, my customized cash rewards cards in awhile. The BofA 's online credit card payment XXXX is terrible and somehow does not let me change my auto pay bank account. So because of that I always make my manual payments every month before the due date from my updated bank account. I scheduled to pay my full balance off manually and it was posted on the XXXX of XXXX. I had paid off my FULL statement balance before the due date so there shouldn't have been another automatic payment coming out for the same amount. None of my credit cards actually would do this except Bank of America. On XXXX  XXXX the automatic came through on my old bank account that I do not use resulting in a returned payment. Bank Of America shortly closed my account after that. I find that this is completely unjustly because of the detrimental effects on my credit report that this would cause, including the loss of the credit age and credit limit that I had that was originally {$6500.00}. My other bank of america credit card has a 0 % utilization with a {$11000.00} credit limit as well as more than enough in my main checking account to pay off the credit card. I do not deem myself a risk at all and have a good record with bofa. I called BoFA numerous times with their horrendus hold times waiting over hours to get in touch with agents. Even through speaking with supervisors who even agree that the accounts should not have been closed they offered no solution to the problem except " we can write something nicer on the closed credit report ''. I find this incredibly disappointing that the only answer they can give me is that you can apply for another credit card. I've been a client with BoFA since high school with my parents and now almost middle aged. I really can not help but feel my relationship has not been valued at all and will be closing out all of my bank accounts with them if this is not rectified.
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. Act Name : XXXX XXXX XXXXXXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2024 Venmo froze my account due to " suspicious activity. '' I had just received funds in the amount of {$50.00}. and all the sudden it was flagged. The email from Venmo stated, that it was four identification purposes. So, I complied and sent them my identification. 

Fast forward to XX/XX/year> I get an email stating that my account has been successfully unfrozen. On XX/XX/XXXX of 2024 I log in and see that my account is suspended now. I open the email from Venmo and it states the same thing it did last time. Due to suspicious activity. And that I needed to upload an ID once again. 

I called customer service and they did nothing to help me. All they did was say that it would be sent to an account specialist. And it could be up to 1 to 5 business days. I can not withdraw my funds until this is resolved. I stated to him that I had already uploaded my ID and I don't know why my account is suspended hey did nothing in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/2021 ) I was checking out at XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I was offered the XXXX XXXX rewards card by the cashier, which I declined. I said I do not want any more hard inquiries on my credit because I am looking to purchase a home in the near future. The cashier tells me that it is only the XXXX XXXX rewards program and that a hard inquiry will NOT be done to sign up for the card. I replied that I would only sign up if she could assure me that there would be no hard inquiry. She assured me that they only do a soft inquiry. With assurance from the cashier I trusted the information she provided me to be correct. In fact I didn't even realize I was signing up for a credit card, with the information provided by the cashier, I was under the impression that the XXXX XXXX rewards card is a similar product to the XXXX XXXX, which offers rewards in the form of a debit card, but does not do a hard credit inquiry. Within seconds of signing the electronic pad at the register I feel my phone vibrate. It was an alert from XXXX that a hard inquiry was pulled for a new credit card. I'm instantly furious that I was lied to whether it was unintentional or not. I ask if she can reverse it and remove the hard inquiry. She could not, but calls over her store manager. I have a pleasant conversation with XXXX the store manager. He said he was embarrassed because he said he trains his employees to provide the proper information about the XXXX XXXX rewards card, but his employee failed to provide the proper information and that there was nothing he could do to reverse it. He told me to contact the rewards card customer service number. I proceeded to call the The XXXX XXXX Platinum Mastercard number ( XXXX ) and explain the entire situation and how the card was misrepresented and that I would have never signed up if I was not lied to or provided with the incorrect information. They said they were sorry about the situation, but there was nothing they could do because I provided my information when I was checking out at XXXX XXXX. I went back and forward with them, but they were unable to solve my problem. I feel as if I was scammed into a card that I am now stuck with because I trusted the word of the employee that was representing the rewards program for XXXX XXXX. I think it should be illegal for a store to have the ability to provide wrong information and easily sign you up for a credit card in less than 10 seconds without providing the full terms of service that do not match what was conveyed verbally. All I want is for the XXXXXXXX XXXX XXXX XXXX hard inquiry removed from my credit report, if that means closing the account, so be it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was in a agreement XXXX XXXX FOR DEBIT CARD I was denied activation By a third party Early Warning XXXX XXXX after I secured XXXX Funds on a recorded call Tuesday afternoon @ XXXX XXXX eastern time I was told that based on information In there database server they collect information to deprive Certain ethic group based on color statues of law Which is violating 42U.S.C 1983 SECTION is a federal Every person who under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the XXXX XXXX XXXX , subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, Suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officer 's judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the XXXX XXXX XXXX shall be considered to be a statute of the XXXX XXXX XXXX. 42 U.S.C. 1983 ( emphasis added ). Section 1983 was enacted on XX/XX/XXXX as part of the Civil Rights Act of XXXX, and is also known as the " XXXX XXXX XXXX XXXX '' because one of its primary purposes was to provide a civil remedy against the abuses that were being committed in the southern states, especially by the XXXX XXXX XXXX. While the existing law protected all citizens in theory, its protection in practice was unavailable to some because those persons charged with the enforcement of the laws were unable or unwilling to do so. [ 1 ] The Act was intended to provide a private remedy for such violations of federal law, and has subsequently been interpreted to create a species of tort liability. [ 2 ] The number of cases that have been brought under section 1983 has dramatically increased since XX/XX/XXXX when the Supreme Court decided XXXX v. XXXX. [ 3 ] In XXXX, the Supreme Court held that a police officer was acting " under color of state law '' even though his actions violated state law. [ 4 ] This was the first case in which the Supreme Court allowed liability to attach where a government official acted outside the scope of the authority granted to him by state law. Since XXXX v. XXXX was decided, an extensive body of law has developed to govern section 1983 claims. This article is intended to provide an overview of that extensive body of law, and will include seminal precedent from the United States Supreme Court and the XXXX Circuit Court of Appeals -- a comprehensive study of all law related to section 1983 is beyond the scope of this article. I was XXXX XXXX XXXX and took to XXXX from a homeless shelter for a paid child support payment because illegal color of laws Will address the Supreme highcourt on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 
Capital One Bank is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to Capital One Bank according to CFR 1026 regulation Z Billing Error.

I have asked Capital One to verify and validate the debt they alleged I owe and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act Capital One Bank has failed to validate the debt therefore should delete all unverified information from my account ASAP. Capital One Bank should delete all account information they share with XXXX, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company.

Since Capital One has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block Block of information resulting from identity theft.

I didnt consent nor benefit from Capital one. If I received goods or services please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Mortgage

I applied for and was granted forbearance at the beginning of this horrible pandemic that we all are having to face last year. I applied again after my 12 months was up for an extension of the forbearance and I was pretty sure I was granted another 12 month forbearance clause with my mortgage, recently ( within the past 3 or 4 months ) I have noticed letters from my mortgage lender 5/3 or Fifth Third Bank stating that I currently owe in access of {$20000.00} on my mortgage account. Thats funny was I with the rest of about 75 % of all other homeowners in the forbearance stage in our mortgage accounts. I have always thought after the forbearance is over I would have the option to add those missed monthly payments on to the end of my mortgage loan as added months ( extended my loan basically?? )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed out letters to all 3 Credit Bureaus. 
I received no response. 

On XXXX I mailed out follow-up letters to all 3 Credit Bureaus XXXX 
I received yet again, no response! 

I have now mailed out a 3rd set of letters on XXXX! 
The law says they have 30 days to respond, it's been well over 30 days and I have had no response to the incorrect information reporting on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bunch of hard inquiries that are fraudulent and after going through them only 2-3 are actually legitimately from me. Also in collections many of those accounts were placed on there by ex spouses and I should only have like 2 collections accounts be open and one of them was a medical bill
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.