23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2019, I was charged 3 {$34.00} insufficient fees. When I checked my account at XXXX XXXX on XX/XX/2019 I had my direct deposit pending in my account that more than covered the purchases that I had made on XX/XX/2019. I even transferred {$100.00} to my savings account because I had a positive balance at XXXX XXXX on XX/XX/2019. When I checked my account again later that day I found I had a negative balance of ( {$16.00} ) because of the 3 insufficient fees. I called Chase and the customer service representative said that the vendors collect their funds at XXXX the prior day ( meaning XX/XX/2019 ). I told the representative that this had never happened to me before and at XXXX XXXX  XX/XX/2019 I had a positive balance and able to transfer money. So if the vendors collected money at XXXX XX/XX/2019 how was it possible to do what I had done? However, I was able to get two of the three insufficient fee of {$34.00} credited back to my account but not the third.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX services continues to furnish information on credit file. Requested validation of signature and contest to contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XXXX and additional letters on XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.
Product: Debt collection

Listed below are the dates and accounts of these unverified-unauthorized account. 

XXXX XXXX XXXX : XXXX XXXX, Experian XXXX. 

I requested debt validation according to 15usc code 1692g that I receive a detail list of a history of payments made by me on this account, also a signature on a contract guaranteeing that I pay this creditor. I also asked for proof of an insurance claim filed on this account, with proof of a chain of title to collect on this debt. I received nothing back so this debt should be removed from my credit report immediately.
Product: Checking or savings account

On XX/XX/XXXX I received an email stating my venmo account was frozen not giving a reason why. They asked me to send them my government issued identification so I did. Then on XX/XX/XXXX I receive an email saying my account is unfrozen and they apologize for any inconvenience. An hour later I receive another email but this stating that my account is deactivated and that they will hold my money for up to 180 days. My heart dropped the only money I have to my name is in that account {$1400.00}. Please help me this isn't right what they are doing
Product: Mortgage

When I realized I couldn't make payment in XX/XX/XXXX with my Lender Wells Fargo I applied for Unemployment forbearance which I later closed as I already got a job by XX/XX/XXXX and started making payments until XX/XX/XXXX but the mortgage company applied 3 months of payments to the month of XX/XX/XXXX and reported it to the Credit bureau and sent me a letter stating that I am behind 5 payments. Later I applied for a loan modification to catch up with the missed 2 months payment based on their suggestion but later closed it as my contract job ended by XX/XX/XXXX, but the application was still pending until XX/XX/XXXX due to the negligence of the specialist so I filed a complaint with the manager and asked him to close the application as I wanted to go back to unemployment forbearance but they didn't close the application even after I made several phone calls later I filed a complaint with the customers relations but they never contacted me regaridng that eventhough they created a case for my complaints. Also, the specialist was asking for documents telling me one thing but later question about my other transactions on my bank account which is not relevant to the reasons they stated for requesting the bank statement, and they were also asking for new documents every single day which only explains that they are looking for proof not to approve my application so I asked them to hold off the process until they find a resolution for my complaint but the specialist closed the case and sent a letter stating that I can apply for a short sale, but even before they did this they have sent emails through the Advertisements I have on websites asking for videos and photos of my whole house and they also contacted USICS and IRS regarding my case which I haven't given authorization for. Even before I started the application the specialist suggested a short sale and kept saying that they cant guarantee that my application will get approved. i filed a complaint several times stating that there is some kind of fraud going on but they never responded to my complaints, also they have not given any explanation on why they reported 3 months payments to one single month and claim that I am late for 5 months payment.They also didn't convey that I can still continue on the unemployment forbearance as my job was a temporary contract job when I informed them about my employment after the approval. Likewise they are misleading me in several ways and being deceptive in requesting documents and sending out people to look at my condo and such.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair credit reporting act XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting, credit repair services, 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 # Account number : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  has violating my rights Account name : XXXX XXXX XXXX has violating my rights XXXXXXXXAccount number XXXX has violating my rights Account name : XXXX XXXXAccount number : XXXX has violated my right 15 US.6 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 writter 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed with these credit bureaus a few times and also with the company XXXX XXXX XXXX XXXX regarding them placing repeated charge off on my credit report every month and they sent back that it was legal to do so. 
1. No Arbitration Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect. 
2. No 1099-C Received : I have not received an IRS Form 1099-C ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account. 
3. Repeated Charge-offs : According to the FCRA, a debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements. 

Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which govern civil liability for willful and negligent noncompliance with the FCRA.
Product: Credit reporting or other personal consumer reports

upon me reviewing my credit reports i notice an account on my credit reports that is not minr.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Telephone Service Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX RENTGROW Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX inquires all ftc XXXX XXXX XXXX  XXXX XXXX {$0.00} Closed 11 late payments XXXX XXXX {$0.00} Closed 32 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$25000.00} Payment Info Status Paid, was past due 60 days Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments Apr XXXX XXXX XXXX XXXX XXXX View more You've made 47 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX XXXX {$0.00} Closed 5 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$18000.00} Payment Info Status Paid, was past due 30 days five times Status date XX/XX/XXXX Past due amount - Original loan amount {$18000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 93 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account Hide 2 closed account both auto ftc violations sent
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX XXXX Account Number: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: Checking or savings account

I opened a new checking account in XX/XX/XXXX. I opened it through a link on the Citibank website that stated I would receive a {$200.00} bonus if I completed eligible activities ( see attachment 1 for link ). I made a deposit of {$5000.00} on XX/XX/XXXX per the requirements within the terms ( over {$5000.00} ). ( see attachment 2 for terms ). I kept over {$5000.00} in the account for over 60 calendar days, as the terms required. I messaged a Citibank rep to confirm that I had met all requirements to receive the bonus. She assured me that I had and told me I would receive the bonus no later than XX/XX/XXXX ( see attachment 3 for that chat on XX/XX/XXXX ). I've since spoken to a customer service rep twice, with no resolution. ( see attachments 4 and 5 ). A dispute was opened for the issue by one of the reps, with the conclusion sent to me by Citibank on XX/XX/XXXX being that " we are not aware of any promotions offered in conjunction with the opening of your account ''. ( See attachment 6 for dispute conclusion ). I locked up over {$5000.00} in my Citi checking account for over 2 months, with the expectation of a {$200.00} return per the terms that Citibank published.
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. 

List of Unauthorized Inquiries : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, it's mandatory to remove any inaccurate accounts from my credit report. Could you please verify the documents? Some of the listed accounts are incorrect in terms of reporting. I'm entitled to receive {$1000.00} for each inaccurately reported item on my credit file.
Product: Mortgage

In XX/XX/2020 I applied for a refinance for a lower rate with chase. I provide all documents as they requested. On mid XXXX I got a call from one of the mortgage rep letting me know I will be closing the end of XXXX. In XXXX I was asked for paystub because it was 60 days and I sent it. I once again I got a call again asking me why I havent lock the rate thats all they are waiting. I was really confused as I thought my mortgage rep already took care of that. I messaged the rep and he said that was not true between him and his assistant I was giving the different information. The assistant did shared with me that she will be notifying her manager about the experience and all the wrong I formation, but no calls from management. At the end of XXXX got another call asking for rerun my credit due to expiring the time since I applied. I did give them authorization. I got a message of the mortgage rep letting me know that he will email management to do an exemption for closing. Three weeks later I am here waiting and no respondes from no one in the mortgage department. I am really disappointed of how chase has been handle my mortgage and how no one is communicating with each other and I continue to getting different information. At this point I want my money back and withdraw my application.
Product: Mortgage

In light of the Wells Fargo situation, I was reminded of something that keeps coming up on my credit report. And also, when I filed bankruptcy. I had a XXXX mortgage with them. And did a line of credit, credit card also a few years later. But, it came to my attention that I had a XXXX mortgage taken out against my house. One that I never authorized or consented to. I did my mortgage in XX/XX/XXXX, and line of credit in XX/XX/XXXX. But never the XXXX. At that time I was residing at XXXX XXXX XXXX XXXX, Va XXXX. Therefore my mailing address is not the same as the property, as I have moved out of state. ***** My name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated and deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX {$470.00} XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$370.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Debt wasn't validated.inacurrate collection account reporting on my credit report. never was validated in 6 months of trying to contact the credit bureaus
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

please delete   the  following accounts \

Account Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I've been having issues with getting the bureaus to correct the information on my reports. There have been no validation or supportive documentation showing the accuracy of these accounts relatable to my personal information.
Product: Mortgage

I received a letter XXXX  from Cardinal Financial servicing, stating I was under investigation a year after closing my mortgage. It stated as of the date I closed I was no longer working for the same company. I was in fact working for the same company as I started the application under. I left the company about 2 months later. I tried to contact the company and was told as was my broker that they are in no way responsible for providing me or anyone else information as to how they came up to this conclusion. I feel it is my right to know why I am under investigation and have the information they obtained as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018, I have attempted to contact Experian in reference to erroneous items on my report. I began sending written request for verification of item in XXXX. Since that time I have not received any items used for verification and the erroneous items since have not been removed from my report. They have yet to verify the item and send proof of that verification. They simply say " the company '' reported it as " accurate ''. Without giving the request verifying information. I have also provided documents to Experian that I have sent to the suspected verifying companies and I have never received anything verifying from them.
Product: Credit reporting

unable to get a credit score have all positive items on my credit report. my score should be high. there is no score