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

In order to earn new checking account bundle bonus {$300.00}, on XX/XX/XXXX, I opened Free Checking with {$1000.00} deposited and e.Savings with {$50.00} deposited. I am not the current or prior customer of First Citizen Bank. Within 90 days of account opening, I completed 10 debit card transactions before XX/XX/XXXX and also enrolled in eStatements when the accounts were open. 
I contacted the bank by sending the secured message on XX/XX/XXXX but as of today, there's no update of the issue. I am supposed to receive the bonus within 120 days after all qualifiers have been met. However, it's been 177 days and almost hits 180 days next Tuesday since the accounts were open. Both of my checking and saving accounts ' balance are still have more than {$550.00} as of today.
Product: Credit reporting or other personal consumer reports

I cant believe Im still dealing with this. Ive contacted you multiple times regarding the inaccurate accounts that are still in litigation, yet they remain on my credit report. This has been dragging on for far too long, and Im at my breaking point.
Product: Mortgage

I recently applied for a refinance to my mortgage through Quicken Loans. I had asked about their product where they claim to pay your PMI for you. This would really save us some money each month. After working with their agent, I was told that I did not qualify because I do not have enough equity in my current home. I understand this even though my wife and I have an impeccable record and credit scores. The problem that I have is that if I do not qualify, why do I continue to get email notifications urging me to apply for refinances through them? I constantly receive email notifications from Quicken Loans telling me to apply and asking 'What 's holding me back. ' The emails even allow for a link to apply within them. I wanted to apply for the right product for me, which they said I could not get at this time. Now I receive notifications that I should keep applying. I just want to move forward with the product I want.
Product: Consumer Loan

I financed with the company BlackHawk Finance and it was only reported to XXXX credit agency and not all XXXX as I was told it would be.
Product: Debt collection

XXXX she says in XXXX credit card department XXXX XXXX ext. XXXX also from XXXX lied when she told me credit card theft by XXXX XXXX from XXXX are XXXX cards and my mortgage are with XXXX since XX/XX/XXXX. XXXX XXXX squatting since XX/XX/XXXX. Through capital one in XXXX charged me twice my paying the full amount of my credit card bills several times and admitted they owed me from overpayments and just dragging on two claims while XXXX never provided any credit card claims told me she was working on it, A Lie. XXXX just notified me under consumer XXXX that they cards are from capital so when will capital one be honest tell the truth or be fine by the CFPB because appears you assisted XXXX XXXX and XXXX paying on an Fake mortgage loan XXXX in my name on my property through XXXX. They both should be charged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2900.00} XXXX XXXXXXXX XXXX {$14000.00} XXXX XXXXXXXX XXXX {$2400.00} XXXX XXXX {$43000.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION WAS LEAKED IN MULTIPLE DATA BREACHES. WHICH RESULTS IN MULTIPLE ACCOUNTS REPORTING FRAUDULENT TO MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 approximately at XXXX XXXX center time I begin receiving emails regarding withdrawals being made to my cash app account from a atm machine. I was at a concert in downtown XXXX at the time of the withdrawals and never went by any ATM to make any transactions on XX/XX/2023. Five each for XXXX XXXX withdrawals all totaled XXXX XXXX I believed somehow my card information was compromised allowing someone to duplicate a card. I called cash app service and immediately and reported the withdrawals along with filing disputes of the transactions. The following days I went to my local police department and filed a fraud report for the fraudulent transactions along with a federal fraud report that I was also instructed by the police officers to do. Cash app refuses to do any investigation into the illegal withdrawals simply stating that I must have used the card or authorized usage when I clearly have never given out my card for usage by anyone nor have I shared information in regards to my account info with anyone on purpose. Cash app refuse to release the funds to work or even review the police report filed and Ive sent various of forms of proof that I did not make these transactions and did not authorize these transactions.
Product: Mortgage

Core Advisory, XXXX XXXX and his company and staff took {$3900.00} to work on my behalf to get my home out of foreclosure, reduce all the add Rd fees and get me a new loan modification. Core Advisory Group did nothing to help me and lied and as soon as they got all of my money never returned calls, or did a single thing to help me. The company actually told me " I was a difficult client '' and they would have a meeting to decide if they would continue to even deal with me. XXXX told me he 'd call me back with a d vision and BEVER again called me or answered my many calls or emails!!! This is a very bad, crooked company. DO NOT believe a single word they tell you. Once they sent a notary to my home to get my {$3900.00} dollars, they quit even taking my calls
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 card

I had to cancel my Banana Republic Card due to freud charges. I forgot to update my online payment through my bank and paid on my old account. Because of this, Synchrony Bank has been calling my none stop about not paying my bill. I have called them several times and they told me it takes 15-20 days to transfer my payment from my old account to my new account! They froze my CC and I ca n't even use it! I have a copy of my bank statement which shows I even paid them and the payment was on time. They wo n't unlock my CC until my payment has been transfered. I even made another payment and because they have n't posted it yet, they still wo n't unlock my CC. I even made an early payment the month before and they charged me a late fee!
Product: Credit reporting

I signed up with XXXX to get a free credit score report. It made me go through many prompts and enter my information and charged me a {$1.00} starting there would be no additional fees without my permission. Since then, I repeatedly get money taken out of my bank account automatically for Experian. I never agreed to any services with Experian nor did I request credit monitoring or help.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST - CFPB is the best and an excellent agency and now I understand why needed. 

I filed a complaint with CFPB previously - XXXX about EXPERIAN. As a result they sent me a paper credit report via US Mail services. I received on XX/XX/18. Report # XXXX. I reviewed just now on XX/XX/18. At first I thought there was fraudulent information on the report I received and called 2 of the companies shown on the report that I had never heard of : 1. XXXX XXXX XXXX and 2. XXXX XXXX XXXX XXXX - as the report showed me as joint responsibility with a XXXX XXXX XXXX and another with an XXXX XXXX. I have never heard of either. And both companies had no record of me when I called them. They advised that EXPERIAN had the wrong information for me. 
One of the accounts on the report I received had XXXX XXXX as my wife. Which is impossible as I am XXXX and have been with my man/husband since college. 
I realized going line by line on the report EXPERIAN sent me - none of the accounts were mine. I do have a XXXX 's credit card but not the account they state and mine is open. Not closed. But again - none of the accounts are mine. NOTE : XXXX and XXXX both have my correct and current information. 
HOW COULD EXPERIAN SEND ME THE WRONG REPORT? This scares me. I have been unable to get a report ever from EXPERIAN via PHONE or ONLINE. They always say I have to submit via mail. Which I won't send my personal information through mail as if lost, I am totally open to fraud. 
Unlike XXXX AND XXXX - EXPERIAN does NOT have a number to call to speak to a human. Why is that? 
I am going through CFPB first to obtain my real credit report and to make sure it matches XXXX  and XXXX. 
I will go to my attorney [ and press ] if EXPERIAN has opened me up to fraud. Now I know why I haven't been ever able to get a free credit report each year via the phone or online - they have my file totally screwed up. 
I want my correct credit report with my accounts on it and I want a security freeze placed on my account right away. And I want an EXPERIAN representative to call me and tell me they are straightening this mess out. This is unbelievable in this day and age. And I want to be able to go online every year to obtain my free credit report just like I get every year from Experian and XXXX. 
CFPB - please help me. Thank you once again. 
ps. I did not attach the report received as I was not sure that was the correct thing to do but I can if needed. None of it is my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was DISPUTED and REMOVED from XXXX and XXXX Credit Bureau due to inaccuracy and fraudulent activity. It needs to also be DISPUTED and REMOVED from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I went to Experians web site to check my FICO as I receive free FICO scores from XXXX, XXXX, XXXX XXXX XXXX and XXXX. I wanted to compare credit reports. Experian offered for {$1.00} a FICO score and part of the offer was to cancel at any time. I tried to cancel immediately at the link provided but instead of cancelling the link automatically created a membership and upgraded it to {$24.00}.

I tried on numerous times to cancel via emal and this is an examle : I have NEVER subscribed to your service yet you have unlawfully taken {$24.00} from my visa account and plan to do it again on XX/XX/XXXX.

I tried to take advantage of your free 30 day trial to see my FICO score and then tried to immediately cancel because I get my FICO from XXXX XXXX XXXX and XXXX and XXXX and XXXX so I did not need any more information from you, I tried to cancel but the number you provide does not let you cancel but cause an upgrade.

AGAIN I never authorized you to bill me for ANYTHING.

I will dispute your attempt to bill me on XX/XX/XXXX. I think what your are doing is both un ethical and illegal and I will be filing complaints with the regulatory agencies and ask legal counsel if I have the grounds for a class action suit to stop your disgraceful practise.

mysignature.jpg XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX last 4 XXXX I have received two dozen solicitations from Experian but none dealing with my inability to cancel. I responded to every email that my intention was to cancel the free trial for which I was billed {$1.00}. Apparently Experian has taken {$24.00} from my visa card for the past two years and they were never authorized to do this.

I can not get them to stop emailing me and I am awaiting the {$24.00} bill on my XXXX XXXX XXXX visa so I can formally dispute this, I have talked to XXXX on the XX/XX/XXXX about this unauthorized charge,
Product: Credit reporting, credit repair services, or other personal consumer reports

letter was sent XX/XX/XXXX, on XX/XX/2021 lexis nexis confirmed it received a certified mail ( dispute letter ) which stated " I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently challenged this same account with the credit bureaus, and they came back stating that they verified this account with lexis Nexis. I have went to the courthouse and they have also stated they did NOT verify this information, nor do they verify any info with any vendors, third parties or credit bureaus. Please send me what ever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character '' as of XX/XX/XXXX lexis Nexis has not provided any documentation to prove how they verified the bankruptcies in question, the federal court stated in the letter they provided to me which i provided below that they do not verify any type of information with any third party vendors or credit bureaus. # 1 there is no such thing as a public record for the consumer because you have the right to privacy. thats pursuant to 15 usc 1681 ( a ) ( 4 ) i have attached the law below. if you investigated it tell me who you interviewed and if you interviewed them it should NOT include facts pursuant to 15 usc 1681a. ( e ) corporations cant interview anybody.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived at an apartment complex located at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I was told my lease wouldn't be renewed. I moved by my experiation date. I had XXXX pets and made a pet security deposit upon rental. I never heard a word from the apartment complex. I pulled my credit report and it shows a bad debt reported by XXXX XXXX XXXX out of XXXX Florida for over {$3500.00}. I have disputed the account with the credit bureau but, the agency continues to report the account. I called XXXX and they described themselves as the " referee '' and told me to dispute the account on their site despite my telling them that the balance is a fabrication. I attempted to file the dispute on their site which doesn't easily present a dispute mechanism so II 'm not certain I succeeded. This credit reporting is a completely made up balance intended to extort money from me that I do not owe. Also, the apartment complex was sold while I was living there. The new owners must be reporting this information to XXXX. I have no contractual agreement with the new owners and again the new owners made no effort nor did XXXX to contact me they just reported the account to the credit bureau
Product: Student loan

I have been disputing student loans on my credit for some time now. I've sent in disputes to Sallie Mae, Navient and now the Dept. of Education asking for detailed information on the loans. I have yet to receive any information and Navient has now added more accounts on my credit report - 4 to be exact. They closed the Navient accounts and are now reporting them from the Dept. of Education making it appear as if i have 8 accounts when indeed i do not. Navient/Dept. of Education has refused to send me an itemized statement and bill. I have requested this in writing and over the phone. They have refused to help help settle the debt and consolidate the four small loans. Everytime i made a payment in the past they would process the payments incorrectly making it look as if i made no payments at all. They have provided me inaccurate and incorrect information several times, leading me to believe the loans are not accurate and have been sold and or re-written. Navient is accused of unlawful acts and practices in connection with Defendants servicing and collection of student loans. Please add me to This CLASS ACTION suit, Navient is the Servicer of the loans listed below.The loans have been sold with fees added are as follows : XX/XX/XXXX XXXX - {$1900.00} ; XX/XX/XXXX XXXX - {$3500.00} ; XX/XX/XXXX XXXX - {$1700.00} ; XX/XX/XXXX XXXX - {$1500.00}. All reporting multiple times on my credit. My ask is that this be disputed with the Navient/Dept. of Education and asked to verify with detailed signed copies of the contracts. If they are unable to provide the information please have this inaccurate information removed from ALL credit reporting agencies.
Product: Debt collection

On WednesdayXX/XX/2021 I called evergreen professional recoveries to try and resolve a debt that I received in the mail and said I had 30 days to respond and take care of my debt in good faith. So I did just that I spoke to a man that asked me my name and said I have to transfer your call when I got transferred another man asked for my info and then asked about my spouse. He then said I owe XXXX and proceeded to say I had 30 days to pay or I was going to get sued by them. He didnt offer any resolution to my situation.I told Him I didnt have the money and if I could be put on a payment plan he told me no I then told them I would call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Assumed a VA loan in XXXX of XXXX. In XXXX of XXXX my credit score went down XXXX points and changed rating from exceptional to good. Mortgage company reported a modified payment agreement. Have not agreed to any modified payment agreement and account is in full good standing. Reached out to mortgage company on XXXX and they could not help me. Disputed with experian same day. On XXXX they came back and said investigation closed but my credit and the comment still remain. My credit history with XXXX, the mortgage company, is only since XXXX of XXXX. They are counting payment history of previous owners and that is negatively impacting me. This is not fair or correct. I have paid 100 % on time and full amount.
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, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXXXXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

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 s-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.