23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

American Express charge off Account Ending : XXXX I am writing to bring to your attention a concerning matter regarding the reporting of my financial information. I have successfully cleared a charge-off account with American Express , but this information has not been updated on my credit report for the charge-off account with American Express was settled last month. Despite these actions, the credit reporting does not accurately reflect the resolution of these accounts. 

I kindly request that you investigate and rectify this issue promptly. It is crucial for my credit report to accurately portray my financial standing, especially now that these obligations have been met. 
As per my understanding of credit reporting regulations, the successful payment of a charge-off warrants its removal from the credit report. I kindly request that you update my credit report promptly to reflect the removal of this account. 
Sincerely, XXXX XXXX
Product: Mortgage

During XXXX or XXXX, I fell behind on loan payments with Wells Fargo due to a change in jobs and having to work out of state. I went through many people trying to modify the loan and was basically denied the modification of lowering the interest rate and ended up having to pay a {$10000.00} payment to Wells Fargo. I still own this home but wanted to see if I am eligible for any of the settlement funds.
Product: Credit reporting or other personal consumer reports

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Consumer Loan

Discover Financial Services ( Personal Loan ) ran XXXX inquiries on my credit report so far in 2015. On an account that has never been late and is in perfect standing. I believe this accounting practice is designed to stop me from securing any further credit so I can pay off there loan. The nefarious accounting practice must stop. I believe an audit of Discover Personal loans will show this is a wide spread accounting practice. Please Help
Product: Checking or savings account

- XX/XX/22 - Opened a new checking account using a Promo that required to deposit and mantain a minimum balance of {$75000.00} for 60 days to receive a {$1000.00} bonus - XX/XX/22 - Transferred a total of {$75000.00} to the citi checking account from XXXX - early XXXX - Reached out to Citi to inquire on bonus status. They said I need to send them a completed W-9 form. I send the requested forms to Citi XXXX XXXX - early XXXX - Reached out to Citi, they confirmed received of W-9 form. Said to wait another week - mid XXXX - Reached to Citi again, created a ticket ( XXXX ) to follow up on the bonus status. Said it went to management level and they have to approve/complete - late XXXX - Citi says they still waiting on management to approve - XXXX - Still same status. Nothing CS can do to expedite the process
Product: Debt collection

I did not receive a verification of debt from this debt collector ( Jefferson Capitals Systems LLC ) that acquired my information/debt from XXXX. I have a negative mark that has been reported on my credit report before ever receiving a verification of debt from them. I also did not authorize XXXX to sell my information to any third party.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I applied for a personal loan on Figures website ( www.figure.com ). My application was submitted with a pre-approval offer code that I received via mail. My pre-approval was for {$33000.00}. After going through the underwriting process, my final and updated offer was for a lower amount. I accepted the lower amount and completed all the steps required for funding the loan ( i.e., employment verification, signing disclosures, confirmed account for funds disbursement, etc. ). 

However, when I called back on XX/XX/2022 and spoke with an agent to see if there was anything else that I needed to complete, I was told that since the name on my California Drivers License did not match the name I provided on the application. He advised this was a compliance issue and that I could not proceed with the current application. It is incredibly frustrating that I was not told this was an issue earlier in the loan application process. 

I asked the agent what could be done to correct the issue. He placed me on hold to confirm what could be done to correct the issue and continue with the application. After coming back on the line, he advised that we could cancel the current application and that I could reapply through the same online portal and be given the same rate and terms. ( This was not correct as I was given a different rate and terms when I reapplied on XX/XX/2022. ) He advised me that I would be able to update my name on the portal. ( This was not correct as I was not able to update my name. ) After I completed this additional application and saw the updated offer ( {$19000.00} loan amount, $ XXXX  monthly payment, and a higher interest rate 26.909 % ). 

When I received the different offer, I called Figure back ( on XX/XX/2022 ) and spoke with a XXXX, a supervisor. XXXX was unable to provide me a valid response as to why I was lied to about the re-application process and was not given the same rate and terms as the agent had promised. There was confirmation that the agent would be given the proper level of coaching to ensure this issue would not occur with other potential customers. The only option he provided was to either proceed with the updated loanwith the higher rate and termsor cancel the application altogether. When I asked about the potential option for re-opening the previous loan application, he told me that was not on the table since their underwriting is automated and could not be updated. 

Clearly, I am frustrated with Figure and their ability to provide me accurate information throughout the application process. The bait and switch tactic is something that I also do no appreciate.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX
Product: Debt collection

Greetings is purchasing an coop found out though XXXX XXXX about this debt collection agency filed a civil suit against me in year XXXX for a debt that was from XXXX XXXX. I do not recall owning a credit card from that Bank I am accuse of owning. Contact the bank with my real estate agent and they could not find anything for over a period of transfere and holds. Then after a good hour they said I had a checking account their which I had with my son but no credit card from what Im being accused of owning money on however received information they sold this account to a credit collecting agency. I called agency gave my name they said they could not find so gave social security number than they ask for my address in which I gave. I ask them how much money was I suppose to own and they said XXXX after a brief hold on the phone I told them I do not recall owning any credit card company that amount of money. Now today the XXXX of XXXX they send me a notice threatening to garnish my salary from work and having a notice issue after I said I do not own them money Now claiming XXXX dollars. Sir/Ms. I have been working on my credit report for some time and ask the credit bureau at the time and it was not on my credit report after searching for it. I pray for a quick resolution to this underhanded treatment. I am moving and this credit collecting agency has file falsely against me I truly believe I Do not own anything to this agency that file against me after they collected my personal information from me over the phone knowledge about me wanting to purchase my new home in a short time span. They are the only agency that is trying to collect money from me falsely. I pray that you review what I have written and give quick judgement for I am truly innocent on this if you can look at my credit report I have resolved with other creditors with debts I know I owe. This agency knew I would dispute because I told them I would so they went and refile again.
Product: Debt collection

Requested verification only received a bill that did n't complete the request. Then they reported it to the XXXX credit bureau.
Product: Credit reporting or other personal consumer reports

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Product: Debt collection

Someone contacted my brother in law and said that they were looking for me to collect a debt. When I called the company back, they stated they were XXXX. I XXXX them online and could not find any information about them. I then XXXX their number ( XXXX ) XXXX and it came up that it was fraudulent. When I told the person on the phone what I had found, she hung up on me. I then called back and demanded to know why they were calling me. The women stated I was being sued. They asked for my social security number and when I wouldn't provide it, the women stated she could not provide me with any information if I would not provide it and hung up on me.
Product: Checking or savings account

I am customer of Juno.finance with over XXXX in deposits. 

-On XX/XX/year> the company send a notice that the customers funds were moving from XXXX XXXX XXXX XXXX to a XXXX  XXXX XXXX Cash management account. 
https : //juno.finance/blog/important-changes-to-your-Juno-account -On the first week of XXXX there was a failure to purchase XXXX XXXX  as its currently under XXXX XXXX -Now, after the failed company purchase, customers from Juno.finance and other online banks in partnership with XXXX XXXX XXXX  have their accounts frozen to the sum of over XXXX XXXX dollars according with this financial report : XXXX XXXX XXXX -This deposit is FDIC insured, I require access to my money in a timely manner please help
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 ONLINE INFORMATION SERVI : OPENED XXXX XXXX, 2021 OPEN BALANCE {$310.00} ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting

I have informed them. I live in California only. No Georgia state nor any other state. 
They have me living in Georgia in my personal information was added.
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  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 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: Debt collection

I set up a payment program for 60 months with them at {$19.00} some change a month in the system. They made a mistake and everyone in their system can see their mistake that it was said that the XXXX who I spoke with at the time. Open the page for a 12 month program and then closed it noting that it was a mistake and client ( myself ) would be doing 16 month program. They have defaulted saying that I did not make my payments though I had set them up automatically to draft on my account for the next 10 months. They said because the twelvemonth program was for {$50.00} a month though it was not set up for that and there was a mistake in their system that I. Would need to pay all the late fees and interest ( which there should be none the program is with no interest for the duration ) to start a twelve month program because it was showing a Default on the 60 month and couldn't no longer do this ( which I had not and they told me they could see I hadn't ) and would have to pay all the interest and late fees again this was in XXXX before my payment was due. I spoke with a supervisor there his name was XXXX XXXX said yes you have done everything correctly you are not in default and it was a mistake in the system he then sent an email to the hardship department asking them to correct it and my credit report so I could then resume payments before it went past my due date and to contact me when it was corrected. I did not receive a phone call I then called several more times in XXXX of XXXX, several more times in XXXX, several more XXXX and again todayXX/XX/XXXX when I have called they all tell me the same thing yes it may have been their mistake but there's nothing they can do unless I pay it up the balance should be {$780.00} and they are demanding a payment on the balance of over {$1700.00} ( as ofXX/XX/XXXX ). They refuse to correct the mistakes or my credit. I called again today (XX/XX/XXXX) and tried to resolve the issue but they once again refused to correct the balance or my credit so I can pay them. That's all I want is to pay them and never do business with them again. This has significantly impacted my life and my credit. Due to this I'm unable to make any changes or advances in my life or my credit. The duress it has put me through has been substantial and they believe they are untouchable and that I have no choice but To do as they have demanded and pay all this they have added on and they will continue to hold my credit and reputation at large unless I do so. I was told today they will not make those changes in correcting them as my balance owed or my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a Identity theft report and an affidavit of fact to Equifax letting them know that four accounts under the name of US DEPARTMENT OF EDUCATION is the result of identity theft and that the information is not blocked in error. Today is XX/XX/2021 and the accounts have not been removed from my consumer report. Equifax is in violation of the FCRA law as they had four days to block the information from my account. Instead they said that they completed an investigation and the " Creditor '' said that the account is accurate. According to 15 USC 1692a ( 4 ) I am the creditor. Pursuant to 15 USC 1681c2 - Equifax is supposed to ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. 

Which I gave Equifax all of the documents they need. Instead of complying with the law they started an investigation. I never asked for an investigation to be conducted. Equifax is supposed to notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

I have told Equifax what the law says and still they are telling me the accounts are accurate and are mine although I have told them the accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX XXXX and XXXX, XX/XX/2023. It has been well over 30 days and I still have not received any thing back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX XXXX and XXXX have 30 days to respond to my dispute. This is a violation of my rights certified.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Mortgage

Selene Finance will not help me figure out why there are so many different amounts used for figuring out my payoff on my home and they are foreclosing even when I told them I was wanting to keep my home. The attached documents they sent me are for payoffs that they did on the same day and the one for XXXX XXXX payoff is higher than the one for XXXX XXXX because of their " XXXX Foreclosure Fees '' they charged. I wanted to know if that was the amount they were charging each month and XXXX at Selene told me he did n't know how the payment department figured out the payoffs for this and they did n't have a phone number or name of the person I should speak with for current payoff information. If I would have been able to get this information today, I would have had the payoff amount. My Aunt was in town and she was going to pay for my home and I was going to make her payments. Because of this conflicting information, and the lack of information I received when I called Selene, she decided against it because she said the amounts did not make sense and until I had that cleared up, she would not loan me the money. My house loan was for {$140000.00} in XXXX and I paid on it for 10 years at which time I needed help with payments and never was able to get it from XXXX XXXX. Now the amount owed is somewhere between $ XXXX - $ XXXX according to Selene and they do n't know where they got the amounts from. I was discharged from the loan in a chapter XXXX bankruptcy and now they are taking my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Equifax regarding inaccuracies and FCRA violations of the XXXX XXXX account XXXX on my Equifax credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. There is also clear evidence of re-aging on this report. All of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An invalid, incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 

3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.
Product: Checking or savings account

I share an account with my grandmother. On XX/XX/2020 my grandmother called me and stated someone called her and told her she won XXXX ' XXXX and he had a lot of her personal information. I immediately called SunTrust Fraud department and told them I felt someone was phishing and her information could be compromised. I told them I suspected potential fraud and please put an alert on the account. I told them we only bank in person and would never use electronic banking. On XX/XX/2020 Sun Trust allowed a check for {$100000.00} and {$14000.00} to be created and sent out from a an online profile that we did not create. I have hired an attorney and we were able to get {$95000.00} of the funds, but no one from the corporate level will return my calls regarding the the remainder of the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inaccurate items on my credit report, my name is XXXX XXXX XXXX please remove/delete any variations of my name. I live at XXXX XXXX XXXX XXXX OH XXXX please remove/delete the following addresses they are not accurate:XXXX  XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX