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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

Deposit was made XX/XX/XXXX for {$450.00}, and second deposit on XX/XX/XXXX for {$1500.00}. My account has been blocked since XX/XX/XXXX, and I am unable to access my account. When I call the bank, they refuse to give me any information as to why my account has been blocked and frozen.
Product: Debt collection

The following are scam transactions XXXX, XXXX Online Store , Best Buy, XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX, Online Payment Fraud, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX , XXXX ( XXXX ) , XXXX, XXXX XXXX, XXXX , XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX are all sc ams either by local criminal suspect XXXX XXXX XXXX in XXXX XXXX , MO XXXX , USA scam mers, and overseas scammers. Some are on line payment fraud where deposit was was made then withdrawn before deposit funds were rejected. Citi Bank - Lost and Stolen Fraud refuses to XXXX ate, to provide documentation requested, and to properly trace down scammers. In addition, push back to XXXX XXXX rather than work with us to provide necessary documents to track down the se scammers through legal authorities.We suspect someone at XXXX ( now XXXX XXXX XXXX XXXX XXXX ) ( XXXX -- XXXX ) and XXXX XXXX XXXX ( XXXX ) to be some of the scammers. In addition I have traced some transactions to XXXX. Without cooperation from Citi, we can not co mplete documentation to resolve and find scammers. News Release XXXX XX/XX/2020. The Office of the Controller of Currency ( OCC ) took actions based on the bank 's unsafe or unsound ba nking practices for its long-standing failure to establish effective risk management and data govern ance programs and internal controls. This failure also resulted in a violation of 12 CFR Part 30, App endix D, " OCC Guidelines Establishing Heightened Standards for Certain Large Insured National B anks, Insured Federal Savings Associations, and Insured Federal Branches. '' The agency also issu ed a cease and desist order requiring the bank to take broad and comprehensive corrective actions to improve risk management, data governance, and internal controls. The bank senior management and the bank 's board has not made timely, sufficient progress in complying with the order. As a res ult of the unsound baking practices overseeing fraud and scams, the bank has turned to collect fro m consumers for their massive failures of effective risk management and internal controls. The OC C should order Citi to cease and desist these practices and demand changes in leadership. Specifi cally in the case of this complaint demand Citi cease and desist for their failures as established in t he OCC complaint with any further actions regarding XXXX XXXX. Further demand Citi cease and desist harming consumers credit and correct XXXX XXXX ( and other harmed consumers ) credit reporting to " pay as agreed ''. 
Citibank has not made written contact since XX/XX/2020. This dispute is closed and to be reported to credit agencies as " Paid As Agreed ''. Citibank failed to respond in a timely manner as set forth in the correspondence to them and as a matter of law.No further responses to this matter will be made to any agency regardless of demands in correspondence, threats, and regardless of operation of law of any kind.
Product: Credit reporting or other personal consumer reports

Its disheartening to see unauthorized inquiries on my credit report this evening, and Im at a loss as to why this has happened. Ive been regularly monitoring my report, but this time, I was confronted with discrepancies that seemingly appeared out of nowhere. I tried refreshing my browser, hoping it was a technical issue, but the inquiries were still there. Im really upset about this and would like to request a thorough review of the documents Ive provided to ensure this problem is resolved and I can stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes negative informatiom with the credit reporters about and XXXX  account with XXXXXXXX XXXX thatwas paid off and should have been deleted from my account. The creditor had assured me plenty of times that they are not reporting this account to the credit reporters anymore and they are the ones to fix this on their system. The account was paid off and closed but it still showing as a delinquent account when it should be already deleted from my report. I have contacted experian and the other credit report companies, and disputed this information, but it still showing on my account affecting everything that I can potentially do with my credit.
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B necessitates the removal of incorrect accounts from my credit report. Could you inspect the documents? Some accounts are inaccurately reported in terms of amounts and dates.
Product: Student loan

My Name Is XXXX XXXX XXXX Im lookiong for legal council to help me in a serious financial debate with XXXX XXXX 

Following up on a previously addressed complaints to many staff members, Consumer Financial Protection Bureau ( CFPB ), The Attorney Generals Office and Even FedLoans services with no progress towards my case. Bringing me to seek Now Legal Action. 
The following information sums up my on going issues with thye university. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Method : Personal Check or Bank Debit Subject : Falsified State and Federal Information and stoping my education XXXX Falsified Multiple Federal and State Documents under my student Identification number ( XXXX ) applying my federal grants and Federal loans for semesters after my withdraw from the university on XXXX Semesters that were falsely applied ran from XXXX. 
Pell Grant amount applied- {$3500.00} XXXX XXXX XXXX {$3500.00} Stafford In-subsidized Loan- {$6000.00} Student Payments expected- {$670.00} Scholarship Used- {$750.00} Funding Plan ID : XXXX Version : XXXX Generated XX/XX/XXXX Regardless of Withdrawal this amounts were authorized and processed. Eventually reflecting as negative accounts on my credit score for years. An stoping me from continuing my education because a the school refused to release my transcripts.

Taxes were filed on a 1098-T XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Student SS # XXXX Payments Received {$6400.00} Scholarship or Grants {$1700.00} Service provider/Acct. No. XXXX I have documens, Recipts, Emails from Staff Members, applications and with drawl forms supporting my case. 
In XX/XX/XXXX I received Statements stateing I was paid in full and had no other debt towards XXXX XXXXFor Just ONE example. 

I would like to forward you the documents I received and have had on file starting that I dont owe them any more debt. Yet I still am tortured from the staff in XXXX and they refuse to release my transcripts. 

My educational gains my financial goals and my mental health has been completely disrupted by the university and the complete fact that they ignore the proof that I have that they wrongfully will not release my transcripts to this day and XX/XX/XXXX, when I requested them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, HYUNDAI MOTOR FINANCE CORP add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, HYUNDAI MOTOR FINANCE CORP add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

As knowledge has been given to me, I have tried to verify the information with my lender in regard to the source of my loan. I have accused my lender of using my name and credit to generate a security fund and then lend me my own money. I applied for a loan, I did not sign up to be the source of a mortgage backed security. According to the knowledge I have obtained, my simple XXXX XXXX dollar ( $ XXXXusd ) loan request was transformed into a mortgage back security that produce XXXX XXXX and XXXX XXXX dollars ( $ XXXXusd ) from the Federal Reserve Bank and then another XXXX XXXX XXXX XXXX XXXX dollars ( XXXXusd ) from investors. I have requested a Securitization Audit from my lender with no reply. If my mortgage identification number has a security attached to it, then the knowledge must be true and my lender has me in debt with my own money and credit. If my lender used its own money, then no security will be found. If my lender can disprove my claim, then I will resume my payments. If my lender used my name and credit and had me pay myself, then I claim all XXXX  XXXX XXXX XXXX XXXX Dollars.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a customer wiring instructions for our company account. On XX/XX/XXXX the customer called to confirm we had changed our account which was not correct. He sent me a copy of the email which appeared to be from our company which stated we had changed our bank and the customer was now supposed to send the funds to JP Morgan Chase Bank N.A. I called JP Morgan Chase fraud department to report what had happened. The routing number was for the Chase Bank in XXXX, XXXX  but the account number they did not recognize. I explained that this was a wire for over {$700000.00} and someone should look into the fact that someone was using Chase bank to steal money. I really did not get a answer but he gave me a phone number to call back in 7 to 10 days and they could update me. I called the number got routed around several times and finally a women answer and said there was nothing they could do and would not look into what happened. I told her someone was using their bank gave them all the information account number etc and they just said sorry nothing they can do.
Product: Money transfer, virtual currency, or money service

Was with Premier Student Loan Center for about 3 years. Gave information to help reduce student loan payments. Was paying $ XXXX month. Now XX/XX/2019 I see that they are being sued and shut down because it was all a scam. Filing a complaint and if possible would like my money back. Also received an email regarding this company being a scam.
Product: Credit reporting or other personal consumer reports

There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : XXXX XXXX XXXX Account Date : XX/XX/2020 According to 15 U.S Code 1692c, 1692c ( a ) ( 1 ), 1692c ( c ), 1692e ( 8 ), ( 10 ) and1692f ( 1 ), a company by law is not to report information on a consumers credit report unless instructed or written permission was provided by the consumer to that company. XXXX XXXX XXXX illegally bought my information from a person and/or company without my knowledge or permission. This is a result of identity theft and as well as false representation on my credit report. You are required to do what I am asking and block the transactions from being reported to my consumer report within XXXX days from the date of this notice. I look forward to your response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX collection needs to be BLOCKED AND REMOVED FROM MY CREDIT REPORT IMMEDIATELY this account is fraudulent information and it's inaccurate and it violates my consumer rights I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consum credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time
Product: Debt collection

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the CAROLINA FINANCE LLC and the CREDIT BUREAUS a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not my inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX family XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX FM XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX XXXX XXXX TX XXXX XXXX type Post office box XXXX XXXX FM XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Post XXXX box XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$91.00} XXXX XXXX account. {$91.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$810.00} Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Collection account. {$10.00}, XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$12000.00} writte FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX OF XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Last mortgage holder did n't pay my property taxes yet deducted them from my escrow
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated. 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. 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!
Product: Credit card or prepaid card

Chase has refused to re-open, adequately investigate, and fairly adjudicate a dispute between myself and United Airlines. I have submitted more than ample documentation to establish my case. Due to their own confusion, incompetency, and/or interest in expediency, I have been forced to re-open this dispute now 2 times. Most recently, after providing even more documentation and explanation ( attached with the complaint ), my written request for reconsideration was summarily rejected by Chase with no explanation for their decision, and to which I would add, was in total ignorance of the weight of the evidence presented by me ( vis-a-vis the merchant ). I also have been unable to speak to anyone in the Chase dispute department about the specific details of my case and the reason for their decision. I will now detail the precise nature of the dispute below : On XX/XX/2019, I made a United airlines reservation, locator XXXX, in the amount of {$210.00}. This reservation was cancelled on XX/XX/2019, within their 24-hour cancellation period. I was appropriately credited by the merchant on XX/XX/2019. 

Separately, on XX/XX/2019, I made a second United airlines reservation, locator XXXX, also in the amount of {$210.00}. This was cancelled on XX/XX/2019, also within the merchants 24-hour cancellation period. While I received a cancellation confirmation, which I have separately submitted here, no credit was ever received or issued. Because there were 2 identical charges, there has been some confusion in the Chase dispute process. The first charge, with the ticket number endingXXXX, was cancelled and properly credited, and is not in dispute. 

However, the second charge, with the ticket number ending-XXXX ( locator XXXX ), while cancelled by me on XX/XX/2019, was somehow not correctly processed by the merchant. I contacted them several times in the subsequent days to inquire as to why the reservation was still appearing under my profile. It was not until on or around XX/XX/XXXX, that the merchant manually cancelled my reservation in their system. This is the date the merchant is citing to refute my dispute, when in reality I made my attempt to cancel some 10 days earlier, and within the 24-hour cancellation period. I can only speculate that because of the identical nature of the 2 reservations and their cancellation at roughly the same time, the system encountered difficulty executing my second cancellation request. 

The case is fairly straight-forward then : I appropriately cancelled the reservation, and have provided evidence of this cancellation. United has presented no counter evidence, nor refuted my documentation.
Product: Credit card or prepaid card

This complaint is due to the XXXX XXXX XXXX with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. Please Cease and Desist the reporting of my private consumer information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. This is ruining my credibility.. No one wants to grant me a loan because of this error XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX