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

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am requesting of you to remove or correct the following accounts reporting erroneous information on my Credit File : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$410.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$79.00} XXXX I require you to send me copies of proof of verification or any documents that resulted from your investigation. Failure to submit such documents, I will assume that you did not conducted any investigation at all and will be filing a lawsuit. So please comply with the law.
Product: Credit reporting or other personal consumer reports

On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of this account. However, I find it perplexing that XXXX, XXXX, and Transunion present varying payment histories for the periods. By virtue of rule 1002, I assert my entitlement to access the information you are legally required to possess for reporting such information. In other words, for the provided information to be deemed " verified, '' the furnisher must possess sufficient evidence supporting its veracity, fulfilling the requirements stipulated under 15 USC 1666b. Furthermore, it should be noted that under 15 U.S.C .1681A, I, as a consumer, am entitled to privacy protection. Additionally, 15 U.S.C .1681B prohibits a consumer reporting agency from furnishing account information without my written instructions. Lastly, 15 U.S. Code 6802 establishes obligations with respect to the disclosure of personal information, including the requirement for clear and conspicuous explanations to consumers on exercising their right to prevent XXXX from disclosing personal information to third parties. Remove these accounts. 
XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

address not mine That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 13 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these accounts belong to me XXXXXXXX XXXX XXXX  XXXX is not my address and has never been my address all of these credit cards are closed the inquiries on my credit report are not mines never applied for those merchants
Product: Checking or savings account

XXXX. Contacted Citi via chat, phone multiple times starting in XX/XX/year> because I wanted to close my account since they would start charging fees for my account because of the balance. I tried to move money out and ran into errors and was told it was because the account is inactive and in order to activate it I needed to mail a letter to a XXXX XXXX XXXX XXXX XXXX. 
XXXX. I have XXXX in my account XXXX. The first letter, when I called a customer service rep emailed the back office claiming they did not have any additional information and ccd me. I got an email my ATM card was activated but when I called back the account was not reinstated and this email was separate. 

The next customer service rep claimed the letter was not received and I confirmed the right address and needed to send another. 

XXXX. I mailed another letter XX/XX/XXXX, overnighted with XXXX So I can track it. XXXX which showed mailed successfully. 
XXXX. I called multiple agents XX/XX/XXXX. The first individual said they will email the back office and that I can not be ccd and when I asked for a supervisor they said they would transfer me, put me on hold and hung up on me. 
XXXX. I called back XX/XX/XXXX and went through the entire conversation again even though I have at least XXXX complaints on record XX/XX/XXXX and XX/XX/XXXX and the same day, and got connected to XXXX, a XXXX. She same the same where names cant be provided of who I spoke to, that XXXX cant be CCd and they have no information on how long it would take or when my case will be reviewed. I was told a supervisor would call me in XXXX days, and the back office is XXXX days response time, and they can not give me a timeline to validate and review the account. There is also no record that I can receive on the complaints or status. I had more than XXXX complaints and there was no record of the previous contact with the back office. 

XXXX said the current call is logged and the back office emails are logged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For background : in 2015 I was going through a divorce and needed to get rid of my ex-wife 's car under my name. I talked to XXXX ( XXXX XXXX XXXX ), and they said I could take this car back to the dealership essentially, " give it back. '' I did this at the end of 2015, taking the car to XXXX of XXXX in XXXX, Maryland. Two month later, XXXX sent me a letter saying the car would be " repossessed and sold at auction '' if I didn't make payments, and a month later the car was sold. At this point they had already had possession of the car for 3 months and had stopped sending me bills so this was confusing. I spoke to XXXX XXXX XXXX, the woman said they sold it, sold off the remaining debt, and I owed them nothing. She also said I didn't own any third party debtor, that as far as they were concerned the account was closed. 

Fast forward 6 years, and no one has ever contacted me for any debt. I have no current account at XXXX, and they can't even look me up by my Social Security Number. Yet, All 3 credit bureaus showed there was about $ XXXX ( the amount written off ) balance, but {$0.00} owed. This was fine, except one of the credit bureaus showed a monthly reported payment status and I was trying to correct this. 

Using the XXXX XXXX app, I disputed the current balance at XXXX. It should have been a {$0.00} owed balance. They looked into it, and in the end they decided the balance was correct and changed it to an ACTIVE account, making my credit score drop 124 points! The problem here is I'm currently in escrow and buying a home. I close in 2 weeks and this puts my home purchase in jeopardy. I reached out to XXXX but since I'm currently on a work assignment in XXXX XXXX, XXXX, I'm only able to reach them through XXXXr messages. I haven't gotten a response there so far. 

Please help! Not only is this a closed account, but I owe {$0.00}. I have no idea who I would even owe this to. It's not XXXX - I checked. No one else ever contacted me for any debt. It's a complete mystery and should be off my account.
Product: Credit card

I have always paid my bills on time and most of the time paid my full balance, but sometimes have had to pay the minimum. Recently I had a payment returned at AMEX and despite the payment going through two days later they still slashed my credit limit right thus stealing away all of the available credit I was planning to pay my bills with after they received my payment. This has put me in a very bad position because I pay my rent from that card and now have to scramble last minute to find a solution. I do have a history of missed payments but this is due to me opted to settle old debts and move on., but my car loan and active credit cards have XXXX XXXX good payment history. I also make six figures a year and they still blindsided me. They did give me the option to upload three months of statements for a 14 day appeal, but I still have to file a complaint, because blind-siding a client that has been consistent for 2 years without a warning. Putting me in a horrible position.
Product: Debt collection

I sent money to Venmo Collections in error and I did not actually owe a debt to to Venmo. PayPal said the payment was successful to Venmo and Venmo is unable to find the payment. Neither company is able to locate the funds and return them back to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, along with the Privacy Act, the list of accounts below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under 15 U.S.C. 1681b, 15 U.S.C. 1681, and 15 U.S.C. 1681s-2. 

Account Names & Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing Experian Credit Reporting Agency to publicly report my personal and financial information per 15 U.S.C. 1681b nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681 and 15 U.S.C. 1681s-2. This is an infringement upon my identity, privacy, protection, and rights.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

15 U.S.C. 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Debt collection

I never received a garnishment letter. The garnishment was sent to my job and 1 week later my check was garnished causing hardship. I never received any other notices in the mail or certified notices.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX XXXX must reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit card

I obtained a new XXXX XXXX XXXX in XXXX and deactivated my old device, an XXXX XXXX XXXX. I was charged for XXXX on the old device in XXXX, XXXX and XXXX on the device. XXXX refused to refund me. I am unable to dispute the charges because disputes for XXXX get routed from their credit card services to their XXXX team. I am unable to request a refund through another means. Their system omits XXXX as an option. 

My old phone was an XXXX XXXX XXXX. I upgraded to an XXXX XXXX XXXX. When I upgraded the name of my phone remained XXXX XXXX XXXX despite being the XXXX model. Every month my XXXX renewal came up for an XXXX XXXX XXXX and I thought it was for the device I was using because that was its name. 

Additionally, I was unable to get XXXX on my new device, because by time I realized the error, the time frame to sign up for it has passed. 

I was charged for a service I couldnt possibly benefit from, barred from disputing this or requesting a refund from the creditor and prevented from obtaining coverage on my new device.
Product: Mortgage

Greentree XXXX Ditech XXXX representatives call me repeatedly if I am late making even a partial payment. In the past, representatives have harassed and threatened my alternate contacts including my elderly father. My XXXX payment was due on XXXX XXXX, 2015. Because I had made additioanl payments before, only a partial payment was due on the XXXX. A Ditech representative called me on XXXX XXXX. I spoke with her and told her I would include the past due amount with my XXXX payment. Several days later, I had a missed call from Ditech. Yesterday, a different representative called me about the XXXX payment. I told her that I had already spoken with someone about it. She said, " I see where she called you on the XXXX, but I do n't know why. You are my account. '' I politely repeated what I had told the previous caller, but I was in the car so I could not confirm the date of the payment. She asked, " Well do you mind if I call you back later to get a confirmation number? '' I said, " No, that will not be necessary. I would prefer that you designate my number do not contact. '' She became abusive then and said, among other things, that she was going to indicate on my account history that my account was two months past due. The payment was made on the XXXX, so it was actually less than 30 days past due.
Product: Debt collection

I leased a property from XXXXXXXX XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I provided 30 day notice that I intended to vacate the property. I vacated the property on XX/XX/XXXX as agreed to by the management company. I competed a final walk through with the managements representative XXXX XXXX. I arranged for utilities to be disconnected and returned the keys. The property owner and the management company disagreed on who was able to give permission for the family room & dining room to be painted ( management said it was fine, owner didn't like the color ). XXXX XXXX and I agreed that my security deposit would be retained to have the rooms repainted. At no time were rent aarrears or a trash fee discussed. I paid as agreed each month. I was never late, I was never served with an eviction notice, no judgement was ever filled, I was never served with a notice of an outstanding balance. I have written numerous letters to the management company, credit reporting agencies, and the collection company that this debt is not accurate. I have requested all records pertaining to this property including payments, notices, maintenance request and no documents have been produced. In one response Professional Debt Mediation stated " Accordingly, we discontinued using any means or device to collect this delinquent account ''. Yet, they still falsely report this inaccurate information. This derogatory account has prevented me from obtaining employment, credit cards, car loans, and I have been advised I am unable to secure a new rental property. Please, help me get this removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delinquency reported XX/XX/2020 XX/XX/2020 and XX/XX/2020 by XXXX mortgage I was affected by COVID-XX/XX/XXXX I was with another mortgage at that time. They put my in a FB Plan which was designed to protect me from credit impact. They placed me on a FB plan in XX/XX/XXXX but then transferred me too shellpoint on XX/XX/2020 while still in FB. Upon acquiring my mortgage XXXX proceeds to report me delinquent during this protection period. They were aware of the COVID FB bcse they were in direct contact with me too complete a modification due too missed payments. I was unaware of the reporting until I attempted too refinance my mortgage. I have contacted XXXX regarding this matter. My last conversation I had with them is that correction will be completed. Thats was 3 months ago.. I have missed out on opportunities for refinancing and taking advantage of these low rates. Please assist with getting them too updat the credit reporting with all 4 credit agencies
Product: Vehicle loan or lease

Last year XXXX I had fallen on a hardship losing my job and being evicted I explained to capital one of these matter so they reduced my APR from XXXX percent to a XXXX percent rate and the monthly payments was reduced to XXXX a month the original payment was XXXX form XXXX of last year I was able to pay the affordable payment of XXXX a month but a couple of months later they raised it back to the XXXX I told them I could not afford that because Im still in a hardship and I was paying the XXXX month faithfully so I told them to come and get the car and could it be a voluntary repo but as time progressed thay put a repo on my name they sold the car and got good profit from it and trying to stick me with a bill for a car that I tried to keep with an affordable price
Product: Checking or savings account

On XX/XX/XXXX I opened a Citibank Priority checking account with a promotion {$1000.00} cash deposited balance after 81 days per their website and promotion online. Depending on the amount of funds you deposited. Mine was {$75000.00} and I would receive a {$1000.00} deposit after I met the requirements. On XX/XX/XXXX I met the requirements of the promotion and have called 3 times and spoke to XXXX and managers and they keep telling me they have 90 days to deposit. This is not what their website said when opening the account. I called again on XX/XX/XXXX and was told 30 days and I called again XX/XX/XXXX and was told 90 days by the XXXX person and her XXXX at XXXX. They are in breach of what their online advertising says and under most pretenses most customers would just wait. Pursuant to their website of them having 30 days to deposit the funds. They are gaining my interest off me and therefore pushing their obligation to me ie the bonus to even out their funds. This is wrongful and therefore I wish these promotion items to be investigated. The consumer should not have to full fill their obligation but the banking institutions get by using our funds for their gain and not full fill theirs.
Product: Checking or savings account

Recently opened a XXXX XXXX  XXXX XXXX  XXXX  investment account XXXX Bank of America XXXX ). Placed a trade order XXXX XXXX XXXX XXXX within XXXX week of account opening. My account has been blocked as a result by the risk management department. I was notified only by a " account blocked, please call XXXX ''. I called and was routed to a Bank of America XXXX agent who ultimately changed my Bank of America account password. When I explained it was my XXXX  XXXX account that I couldn't access, she gave me XXXX to call. Upon reaching a XXXX  via the latter XXXX  she could only tell me my account is under review. While on hold ( I did a review search online and encountered XXXX reviews/comments/complaints within the last XXXX  months of similar occurrences. When the XXXX rep came back on, she said she didn't have more info. Upon me sharing with her my account block is likely a result of new account and recent trade activity being reviewed by XXXX risk management, she concurred. I asked for timeliness of a callback and she said she didn't know. I helped her draft an email inquiring at least when a callback would occur. She said XXXX management responded with " XXXX hours ''. The complaint is XXXX-XXXX  XXXX ) the lack of notification to the account holder that risk is detected ( even when the account holder calls, XXXX reps are still nontransparent about what the risk is and there is no opportunity for the account holder to confirm he/she initiated the activity, XXXX ) this review should have been performed at time of application ( XXXX day risk review or for another XXXX XXXX, up to XXXX weeks, or XXXX XXXX user, XXXX  months, for XXXX XXXX risk staff to respond ), the lack of more efficient operations while blocking account holder access from liquidating and removing assets seems to be punishing the account holders for XXXX XXXX 's lack of security check at the time of application. The perception is XXXX XXXX has no XXXX or delay in accepting cash in, but takes XXXX  to XXXX  to XXXX  to settle cash out. Regardless of outcome, the amount of time legitimate consumers spend tracing what this company has done with his/her deposited funds is rather unfavorable, concerning, and ironically unsettling.